Rollover Vehicle Accident at Busy Intersection With Emergency Pe

Hit by a Drunk Driver? Here Is What You Need to Know

Accidents happen suddenly and are difficult to prepare for, so many people do not know what to do when a car accident occurs. Some things you need to know apply in any vehicle accident, but a few things could be different when you are hit by a drunk driver.

What to Do Immediately

There are many simple tips to follow after an accident occurs. Even if the wreck is small or you do not end up filing a suit, it is better to collect all the information you need. Make sure to get contact details for witnesses because the police might not offer this to you. If you suspect impairment, do not share this with the witnesses, and only talk about the accident with the authorities.

Insurance Companies

Insurance providers are included in who you should not talk about the accident with because companies sometimes try to minimize a victim’s damages to avoid having to pay a large amount. An attorney such as those with Bronson Jones and Co. can help when filing a claim and speaking with a driver’s insurance company. If a company offers a settlement amount that will not cover your expenses, you may decide to go to trial instead.

Comparative Negligence

Even though the other driver was drinking, you could still be held partially responsible for an accident. Some states have comparative negligence laws that mean the percentage of an accident you are at fault for is deducted from any damages awarded. In other states, a defendant’s attorney or insurance company could try to blame you in order to diminish your claim. If you were distracted or breaking any traffic laws when the collision happened, this may influence a settlement or legal strategy.

Civil Court

Drivers may be liable for accidents when their negligence led to someone’s injuries. Drinking and driving fits under negligence because a driver breaks the law and breaches a duty to others on the road to act responsibly. If your case goes to trial, the evidence would need to show that the accident and your injuries occurred because of the other driver and likely would not have happened otherwise. Reports from authorities, witness statements, any sobriety or breath tests conducted and toxicology results could all help prove a driver was intoxicated and not fit to drive.

Accidents are hectic, scary situations, but the days after them can be frightening too. Knowing what to do when a drunk driving accident happens may help your financial and emotional recovery.

The Pros and Cons of Leasing a Used Car

The Pros and Cons of Leasing a Used Car

Looking into buying a new car? Though leasing is usually the cheaper option when it comes time to get a new one, instead of leasing a new car, why not lease a used one? While leasing a used car can help you save a great deal of money, it’s important to consider a few key facts first.

What’s Right for Me?

While the advantages and disadvantages aren’t always clear, a big factor to consider rests largely on your own financial circumstances. It also relies heavily on the terms of the lease agreement you receive. While you’re generally responsible for the repairs and maintenance of a leased car, your responsibilities with a leased car are still less than if you were to buy the car outright. That said, there are a number of other items to consider when thinking about leasing a used car.

The Pros of Leasing Used

Lease terms are generally shorter for used cars, which can be a great benefit for people who only need a new car for a short while. People with a poor credit history often struggle when they go to get a new car. If they can’t pay a large sum of money upfront, they’re forced to get a loan. With a poor credit history, there’s a low chance of loan approval. Even if it is approved, the loan interest rate is usually unmanageable. While excellent resources like CreditGuard.org are always available to help you manage your unsecured debt and credit score, going with a used car lease is also a viable option since the overall cost is much lower than that of a new car.

Each dealership does things differently when it comes to lease terms, which means you can’t just go to any dealership and get a good deal on a leased used car. Therefore, shop around, do your research, and know your terms before you step onto the lot.

The Cons of Leasing Used

Many people simply do not have enough expendable money to lease a new car or buy a used one. This leads them to pursuing something like leasing a used car in order to reduce the down or monthly payment. However, the car that they’re leasing is still older and there are always potential problems with older, used cars.

The older the car is, the better the chance is that something on the car will break and need repairs during the lease term. Many used car dealerships won’t offer a warranty or help you pay for the repairs and maintenance the car needs. So while leasing used may be cheaper, there may also be more risk involved. So be sure to do proper research on the car’s VIN (vehicle identification number), ask about previous car owners, and peruse through previous maintenance documents to ensure the car has been taken care of.

All in all, if you can’t afford to buy a used car, then leasing one can be a viable alternative. Sometimes it can be just what you need for your situation.

*This article was co-authored by Maria Rivera, who has spent the last 13 years helping people overcome their financial hardships. She currently manages CreditGuard of America’s credit counselors and helps prepare individuals who are seeking their credit counseling certification. A resident of Boca Raton, Florida, Maria is always on the lookout for great new recipes and beauty tips. She’s also a self-admitted pop culture junkie. You can follow the latest from Maria over on Google+.

Make Your Long-distance Motorcyle Ride Comfortable with These Tips

Choosing the best motorbike for yourself

Being a bike rider is a way of life, rarely just a hobby. While we would all want to have this and that model and be proud owners of the most famous models and brands, not every bike is for everyone. Are you tall? Are you heavy? Are you planning to take long trips or just show off? these are all factors to be taken in consideration when choosing your future ‘best friend’.

Terminator

Terminator

Cruisers

Most famous for Harley-Davidson and “Terminator 2″. If you want style and individuality over performance, this bike is for you. Built big, heavy, strong and loud, this is the best bike for the macho type. When you think of a classic biker, with a bandana, shades, long beard, chains and a vest, you always imagine him riding a cruiser. It is built for a relaxed ride, with low seats giving the new rider’s feet easy access to ground; and a with a low center of gravity offsetting heft. They have engines tuned for low rpm, making the throttle and clutch coordination easier for a beginner. Some of the flaws on the other hand come from cruisers having a long and low style, so it can make handling on some models a bit trickier, as well as some vibration. The price can also be a problem, since the big ones can cost a lot. Though, mid-sized ones are rather affordable.

There’s a sub-group of cruiser called the chopper, which features exaggerated laid-back styling and front wheels more up front. They were made famous by movie “Easy rider“. Cruisers in general are famous for customization, so if you’re the type who likes custom things, this is definitely the type for you.

Tourers

Tourers are the type for those who like to go on long rides, travel great distances. This is the type of bike for those people who enjoy solace for longer periods of time, or for the opposite of that: for those who like long trips with company, since this type of bike is built with a long seat enough for two people to fit comfortably. Unlike other motorcycles tourers are specially built for long rides, meaning they are extremely comfortable, have good weather protection, built in radio, come with large integrated luggage compartment for convenience. A great plus that comes with tourers is that they have a larger fuel capacity, meaning less stops along the way, which further means less chances of getting stranded on a highway. All this comfort comes with a price, and for the tourer the price is extra wight and a steep price.

Scooters

Made famous by Italian “Vespa”. A small bike, meant for easy transportation around the city. If you like discreet, small bikes and practicality over loud, big and showy bikes, this is the type for you. These bikes are not only light, but also easy to maneuver. If you know how to ride a bicycle, you’ll have no problem switching to a motor scooter. They usually come with built in storage box, either under the seat or behind it, which makes it the top choice for pizza delivery, Chinese food delivery or pretty much any kind of city-delivery. Logically, since it’s a small bike, with a not so powerful engine and low fuel consumption, one of its benefits is the low price. On the other hand, since scooters have smaller wheels, they tend to be less stable at higher speed, and because the scooter has a direct start, it can be a bit jumpy and it can easily fall out of your hands if not held tightly enough.

Enduro bikes

While not really for beginners, enduro bikes are great for those with a great inborn feel for balance. They are designed for off-road competitions. Enduro bikes most often come equipped with headlights and taillights for nighttime riding and usually come with devices for reading roll charts, timers and such… This is a bike made for bad terrains, and for those who like bikes for sports and adrenalin. They are fuel-efficient, and durable. Some scratches might come from using it for long, but other bikers would just respect you more for them. The downsides of this type are that it takes the longest to get used to them, due to relatively high seats.

Now you’ve seen that not all bikes are the same and you know more of each of the most common bike types. Use the knowledge gained here to choose the best type for yourself, and enjoy your new bike.

Image source

The Five Best Ways to Improve Your Car's Fuel Efficiency

The Five Best Ways to Improve Your Car’s Fuel Efficiency

One thing most people want their vehicles to have is the best fuel efficiency possible. However, you don’t necessarily have to buy a new car to improve your gas mileage. Below are the five best ways to improve your car’s fuel efficiency.

1. Follow the Speed Limit

Different cars reach their optimal fuel economies at different speeds. However, there are very few cars that save more gas driving over 50 miles per. Driving 70 miles per hour instead of 50 could mean losing 10 miles per gallon in fuel economy. Simply observing the posted speed limits on most highways is always a smart idea.

2. Don’t Idle Your Vehicle

One thing that can certainly eat up gas is idling your vehicle. In certain cases, idling is required, as is the case at stop lights. However, at other places, like in the long line at a fast food drive-through, you can simply turn off your vehicle until you need to move again.

3. Cruise Control

Using cruise control spends far less gas due to the engine not needing to make as many adjustments in response to changes in pedal pressure. Using cruise control takes some getting used to, so if you’re not familiar with it, be careful. It also shouldn’t be used in places where you may need to make sudden stops, like city streets.

4. Don’t Heat Up Your Car

Unless you have a very old model, you probably don’t need to heat up your car for an excessive period during cold weather to prevent engine failure. For most automobiles with modern fuel injectors, heating a car up for 30 seconds in cold weather is enough. While it may be a bit colder at first, your heat should kick in quickly. Letting your car run for minutes beforehand simply wastes gas.

5. Consider Using a Manual Transmission

According to an expert from National Transmissions, using a manual transmission rather than an automatic one can add as much as five miles per gallon to the average car’s fuel economy. Part of this is due to the fact that a manual transmission gives you the ability to skip gears while shifting gears. You can, for example, go directly from 2nd gear to 4th gear with a manual transmission, saving fuel.

Overall, you must first be aware of what your fuel economy actually is to make improvements. Keep a close eye on how much you drive versus how quickly your tank empties. After you have figured that out, implement some of the above ideas to see if they make a difference.

 

Car Safety: 5 Reason Why You Need Car Insurance

Car Safety 5 Reason Why You Need Car Insurance

There are many different kinds of insurance a responsible adult should have. One of these is car insurance. Even if you do think you’re a very good driver, going without auto insurance is extremely unwise. Below are five reasons why you need car insurance.

1. It Is the Law

In most states in the U.S. and many other countries, having car insurance for you automobile is mandated by the law. Usually, it is required that you have at least some liability coverage. If not, the penalties could be severe. You could lose your license or even have your car impounded.

2. It Could Raise Future Premiums

There are many things that go into calculating your car insurance premiums. If you let your previous policy lapse, this will certainly be factored in. Due to the fact it is probably required by the law, you may end up being forced to pay much more money for a new policy than you would have if your previous coverage never expired.

3. It Is the Moral Thing to Do

Auto insurance covers the harm you may accidentally do to others and their property in an auto accident. According to Meyers Insurance Ltd., if you have liability coverage, it could help pay for repair or medical bills for the other person harmed in the wreck. This can take some weight off your conscience.

4. It Could Ruin You Financially

It could also ruin you financially. If you don’t have insurance to pay for the damage done in an accident, chances are you will still be forced to pay regardless. The money just won’t be coming from your insurance provider. Instead, it will be coming directly from your own pockets via a lawsuit. If you are the one injured, you may be left paying for your own medical bills. Replacing your car can also be a serious burden.

5. It Protects Your Investment

After a home, automobiles are likely to be the most expensive investments you will make during your lifetime. Car insurance is one way to protect that investment. If something were to go wrong due to an accident, you will be able to fix the problem to keep it in shape. Not doing so could mean a shortened lifespan for your vehicle as well as rapid depreciation in its value.

Overall, having car insurance is simply the smart and mature thing to do. If you don’t currently have car insurance, shop around with local car insurance companies to find a policy that meets your needs.

 

workshop

Essential RV Maintenance Tips You Can’t Afford to Ignore

Owning a recreational vehicle (RV) is certainly a lot of fun. However, these vehicles have to be well maintained to ensure long life and optimum enjoyment. In addition to basic maintenance considerations that apply to all automobiles (i.e. keeping tyres inflated, regularly changing engine oil and checking the battery water level, etc.), caring for your RV requires special attention to a few details as well.

workshop

Perform the following specialised maintenance routines to keep your RV in top operating condition:

Keep the holding tanks clean.

It’s a nasty job, but you absolutely must see to this on a regular basis. The black and gray water tanks on your RV can accumulate bacteria and foul odours that turn a weekend at the campsite into an intolerable experience. Follow this step-by-step guide for cleaning the holding tanks. You’ll need the following equipment on hand:

• An appropriately sized coupler
• Rinse hose for flushing the system
• Disposable gloves to keep pathogens at bay
• Bleach solution (or bleach wipes) to sanitise as you go
• Sewer extension hose

This may be dirty work, but there is no getting around it. Cleaning the holding tanks just goes with the territory of RV ownership, and it’s really a small price to pay for the pleasure of enjoying one of these vehicles.

Winterise your vehicle each autumn.

Many campervan insurance claims could be easily avoided if owners were more vigilant in properly winterising the vehicle before they store it for the season. Some experts recommend sending your vehicle in to the dealership to have it winterised; others say that you can do it yourself with a nominal amount of knowhow. Dealer charges for winterising can be relatively expensive, so it’s worth learning to do this one yourself if you have the time and patience.

The following are some of the key RV maintenance steps that need to be taken care of before winter sets in:

• Completely drain the generator of petrol; you can accomplish this by shutting off the fuel valve and running the generator until is stops (make sure to switch off the generator anyway, as the fuel pump may continue to run).
• Thoroughly clean the exterior to keep dirt, oil and grime from doing damage to the paint job. Similarly, give the wheels a thorough cleaning to keep the aluminium in good condition.
• Change the oil, lubricate the chassis, top off the fuel tank and make sure you have properly diluted coolant to keep the lines from freezing.
• Remove the battery and store it in a warm, climate controlled environment. Remove small batteries throughout the interior as well—such as those in the remote controls and wall clock.
• Ensure that all of the tyres are properly inflated, as this can help to prevent flats.
• Remove food and anything else that might attract rats and other pests over the winter.

Run the generator from time to time.

Be sure to consult the vehicle manual for specific tips on how to care for the on-board generator. The most important bit of maintenance for any generator is to simply fire it up from time to time. When petrol sits in a generator for an extended period, it begins to break down into its constituent components, and this leads to power surges and hard starts.

Ideally, you should run the generator for a couple of hours at a 50% load capacity once per month. This will keep it primed and ready to go anytime you strike out on a road trip.

Keep tyres inflated.

It is all too common for RV owners to drive around on underinflated tyres. This does more than wear your tyres out more quickly. In fact, it can downright destroy them. The last thing you want us to blow a tyre while you and the family are cruising to your destination at highway speeds.

To play it safe, you should really weigh the vehicle when it is fully loaded. (Here’s an informative guide on how to go about weighing an RV). You’ll want to determine the weight distribution on each axle, and then use this information to determine the ideal pressure for each tyre. Check with your tyre manufacturer for details on optimum tyre pressure for a given weight range.

NA1_4843

Tips to Keep a Bike in a Good Condition

Motorcycle riders always want to make their bikes last longer and enjoy their riding even more. Whether one has a family hand-me-down bike or a dream machine, keeping it in top condition is important. Not only will it help keep the rider safe on the roads, it will also prolong the motorbike’s life. Below are tips to keep a bike in a good condition.

Clean and Lubricate Chains Regularly

Biked

Dirty and dry chains not only affect the performance of a bike, but can also lead to a nasty accident. The chain should have the correct amount of slack and be well lubricated. It can be wiped through turning the cranks while holding a rag on it. Chain lubricant should be dripped into all chain rollers and links as the cranks are turned to move it past the drip bottle. In addition, it is important to regularly check the chain for excessive wear.

Check on Air Tire Pressure

Tires may not be the coolest component of a motorcycle. However, a rider may not be too happy if he has to carry the bike home following a puncture. A bike owner should make sure tire pressures are kept at the levels recommended by the manufacturer. Different pressures are advisable for pillion and single seat riding, and should be observed in order to ensure optimum mileage. Tires that are over-inflated may lead to better mileage, but they can affect handling and stability of the ride. It is also advisable to check the treads and sidewalls of the tires regularly for tears and rips.

Keep Air Filters Clean

Keeping the motorcycle’s air filters clean is of great importance. This is especially in areas with dusty conditions since dust tends to clog up the filter very quickly. The bike owner should increase the frequency of cleaning in dusty climes and change the filter at the recommended intervals.

Engine Maintenance

Bike

Regular tune-ups and servicing of a bike’s engine will keep it running like clockwork, in the process reducing fuel consumption. Special attention should be paid to carburetor cleaning as well as maintenance of valve clearances. Also, attention should be given to the spark plug by ensuring it is always clean and the gap correctly set. Since it is the most important link in combustion, it should be replaced if past its prime. An important factor related to the engine is the engine oil. Oil should be changed regularly as it is capable of thickening as a result of carbon deposits, resulting in engine internals movements. In addition to increasing fuel consumption, running a motorcycle on dirty oil can also reduce the engine’s lifespan.

Prepare for Lengthy Storage

If the owner intends to store the bike for a long period of time, he or she should follow some steps. In case there is no garage or a place for storage, it is advisable to get a high-quality bike cover. This helps keep it dry when not in use, thus prolonging its lifespan. Adding a fuel stabilizer is recommended since petrol changes to a damaging substance after several weeks.

By following the above tips, a bike owner is assured that his machine will have a long shelf life. Anyone planning to have a dsa practical test will also find them useful.

What Crash Test Scores Can Tell You About a Vehicle

What Crash Test Scores Can Tell You About a Vehicle

In general, cars and trucks are safer than ever, but there are still 20,000 deaths every year from car accidents. Obviously, a lot of variables factor into these deaths, including driver sobriety, seatbelts, road conditions and more. Part of it also lies in the wide variation in the crash-resistance of vehicle models, even within the same class. So what do crash test scores mean when it comes to choosing a vehicle?

Not All Results Are Created Equal

One thing to consider when looking at crash test results is the frontal crash rating differences between models. These ratings are only valid when looking at vehicles of the same class or models weighing roughly the same—the difference being within 250 pounds. This is because tests represent how cars would fare against the same model or class. It does not tell how a vehicle would do against a larger or smaller vehicle, or even one that rides higher or lower. In general, a heavier vehicle protects passengers better than a lighter vehicle, assuming most other factors are equal.

Different Agencies, Different Crash Tests

Two different agencies conduct the frontal crash tests; the Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration. The IIHS conducts their test against a flexible barrier that reacts similar to another vehicle. The NHTSA crashes their test vehicle into a rigid barrier. Industry experts say that the IIHS test reveals more important information about the vehicle’s crash worthiness than the NHTSA test.

Side-Impact Concerns

Side-impact crash ratings are still relatively sparse compared to the other crash tests, and details of the test suggest they have problems. The sled used to smash into the sides of cars for the test sits at about the same height of the car, which minimizes cabin intrusion. This does not represent how a car would fare being hit by a taller vehicle, which would likely smash into the cabin area. The NHTSA also judges injury chances by torso trauma, when most experts agree the head has a greater chance of injury in a side crash.

Essentially, crash tests are not infallible. According to an accident specialist from Taylor & Blair, a higher star rating means that the vehicle has a better chance of protecting its occupants in a crash, provided that the crash is a best-case scenario. Considering all the crash information on a vehicle, regardless of the rating, creates a better picture of how safe the vehicle is compared to its class and other vehicles.

Tricks of the Trade: 7 Ways to Maintaining and Saving Money on Your Car

Tricks of the Trade 7 Ways to Maintaining and Saving Money on Your Car

 

If your car is in great condition and runs without any issues, it can seem like a waste of time and energy to maintenance the vehicle or have it inspected. Although the car may be new or appear fine, it’s important to maintain the quality and condition of the vehicle to prevent damage or wear that can occur. To maintain your car and save money, there are a few steps to take to increase its lifespan.

1. Clean the Engine

For many car owners, it can be months before you take a look under the hood. It’s important to clean the engine every few months to remove debris and dirt that has accumulated. It will protect the different parts of the engine and allow it to run longer without complications.

2. Change the Oil

The oil is the blood of any vehicle and can affect the transmission when it’s not replaced. Replace the oil every 2,000 to 3,000 miles and use synthetic oil on specific models while changing it every 10,000 miles.

3. Wash it Yourself

Instead of heading to a $5 car wash every week, make it a point to wash the vehicle yourself, which will prevent scratches or dents from occurring from the machines. Keeping it clean and detailing the vehicle every few months will protect the paint and maintain the car’s value.

4. Obtain a Good Auto Insurance Policy

In the event of a collision or minor fender bender, it’s crucial to have a good insurance policy to cover the costs of repairs or external damage. According to Anthony Clark Insurance Ltd., many car owners would not be able to afford the cost of visiting a body shop without a policy, which will save money long-term and will restore the condition of the car.

5. Replace Timing Belts

Timing belts should be replaced every 60,000 to 90,000 miles, which will prevent the belts from breaking and valves from becoming damaged.

6. Replace PCV on a Consistent Basis

By replacing PCV at recommended intervals, it will prevent the head gasket from leaking and will ensure that your car passes each emissions test.

7. Rotate the Tires

To promote even wear on all tires of a vehicle, it’s important to have them rotated every 6,000 miles or when the oil is changed. This will increase fuel efficiency and prevent blowing out a tire on the road.

By maintaining your vehicle, it can save money to repair or replace important parts on the vehicle. With the right care given, it will increase the lifespan of the vehicle and prevent common issues that can be expensive to repair.

 

How To Find The Best Car For Your Teenager

How To Find The Best Car For Your Teenager

So, your son or daughter is finally reaching the legal age to drive and now you’re wondering whether or not you should buy them a car. It’s a tricky decision for any parent to make since there are so many anxieties that come along with this milestone. Are they responsible enough to have their own car? Should you buy them a new car? Should you pay less and buy a used car? Here are a few tips to think about when considering what kind of car you should buy your teenager.

New Cars
Your teenager is probably so excited about getting a car and impressing their friends that their initial feelings may be that they want a brand new car. The problem with new cars is that they are quite expensive, and there is a chance that your teenager won’t take proper care of the new car. Since new cars lose a significant amount of value as soon as they are driven off the lot, the car will further decrease in value if your teen isn’t taking care of the car.

Used Cars
Buying a used car for your teenager may be your best option since there are thousands of used cars out there that are being sold for a decent price. All your teen needs to get started is something that runs and looks halfway decent. The only problem with buying used is that there are plenty of scam artists out there that are just looking to make some easy money. Make sure to check the vehicle’s free car history report, via a company like Instavin, and take the car into a trusted mechanic before purchasing to make sure everything is on the up and up.

Miles Per Gallon
Since your teen most likely either doesn’t have a job or has a low paying job, it is key that you find something for them that is gas friendly. This probably takes out most big trucks and SUVs, but there are plenty of spacious options out there that are just fine on gas. Four door and two door sedans are usually pretty good on gas, and there are spacious cars out there that will allow your teen to fit passengers if that is what they want.

Be Honest With Your Teen
Once you have thought your choice of car over a little bit, be honest with your teen about what you can afford and what you think is best for them. If it was up to them, they would all be driving brand new BMWs. By talking openly with your child, you will be much more likely to reach a mutual understanding about what kind of car they will be driving.

Whatever you choose, just make sure that what they end up in is a safe vehicle. That is what is most important.