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Simple tips for car maintenance by yourself

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Car need regularly maintenance to keep the performance stay well. Every owner of the car should better to know how to take care and maintenance the car. If you not maintenance well it will take effect to the condition and performance of the car. Many people can not doing regularly maintenance by their self it because the busy at work. Everyday go to the work and just can take break at weekend, many people surely feel tired at the weekend. So they prefer to use their time to just take a break at the home, and do not doing anything including maintenance their car. Regularly maintenance car is very important to every car, so even though you very busy. Make sure tu spare a some little time to take care and maintenance your car. If you do not have time to doing by your self. Then automobile maintenance tips is always ready to help you. It is give the best maintenance car service, so you will satisfied with the service.

Almost people think that maintenance car by self is hard or complicated. Although it is not entirely true. Here some simple tips to maintenance car by your self. The first tips, washing the car. Washing car is the most common step that many people often do to maintenance their car. The purpose of this step is to make the car get ride by the dirty. You just need to use cloth washers and dryers as well as clean water if you want frequent washing. Then if there is dirt-shaped stain then you can use a shampoo wash to help lift the dirt. The second tips, take care windshield. the cleanliness of all the glass becomes a means to maintain stability, especially for the driver’s windshield. fungal or water spots attached to the glass can interfere with vision other than ruin the appearance. Some of the products available on the market of glass polishing, then can you use to cleaning the fungi or molds. You can remove the glass mold is thoroughly assisted dry cloth. However, when the glass is already experiencing scratch, it has been classified as damage requiring professional hands to handle, or if the glass is too severe to be replaced. The third tips, keep the car from fungus. Keep the body car stay clean by fungus actually is preventive action. How to avoid the onset of fungus is to always keep the car to stay dry after a rain-washed. Then avoid using the car glove to keep the car from rain. This action will only make the car become damp and mildew easily arise. The fourth tips, take care the car seat. Every car seat with many type of materials is need maintenance well. The treatment should be done only when the upholstery is stained with dirt. Because some upholstery material like fabric can not be too frequent exposure to cleaning chemicals because the fibers are easily damaged. You can use a dry cloth, interior cleaner, nylon brush to the vacuum cleaner to help remove impurities in the cleaning products in the seat. The last tips, keep the engine area clean. Keep clean the engine area give two function. In addition to being clean, the other thing is you will have a chance to see the condition of the components in the engine room while can avoid incidents. With this you will be able to detect early damage.

If you can’t maintenance your car by your self because of not have time to do that. Then automobile maintenance tips is the best solution for you. It is provide repair and maintenance service of all kind of vehicle. It handled by professional at the field. Surely you will not regret with the result. So, what are you waiting for? Just immediately contact now.

Category: Insurance

How to avoid the car accident when you are driving

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Driving in the highways must take many consider. You should concentration to the driving and the street. It will be dangerous if you drive with do an other activities like using a smartphone. The most important thing when driving is safety. So keep safety with take concentration when driving. Now the users of car actually increase. Many people prefer to go to some place with their private car. It is make the street be more crowded. You need more careful when driving. The mistake when drive can caused bad affects, like collision. Collision is very dangerous, not little people died because of get collision. So you must be careful when driving. not to speed on the road because that is very dangerous. If you already get collision and your car get many damage, then do not worry. auto collision prevention Phoenix Will always ready yo help you.

An accident can caused by several factors, such as human error, the bad condition of the road, or the vehicle that are not roadworthy. To avoid an accident or collision she driving, there are some tips that can you use. The first tips, Make sure your car is being in a good condition. The Failure from one of the functions in your car can cause accidents, such as a tire, brake failure and so forth. So you must always checking the condition of the vehicle before use that. The second tips, determine the best position for driving. The Master control of your car begins by determining the best driving position, where you can comfortably and easily grab and control the steering wheel, gear lever and the entire pedal easily when maneuvering in a variety of conditions. And don’t forget to always use seat belt. Using seat belt is very important when driving. The third tips, position the mirrors for the best views. An in front of street view is the primary view while driving, but the view to the rear is no less important. So you should make sure that all the rear-view mirror on your car gives a maximum view of the situation of the road behind your car. If there mirror damaged or broken, immediately replace it with a new one. Because the cost of a surprise awaits when driving without rear-view mirror will be more expensive than buying a new one. Then make sure you can see the street view clearly. The forth tips, do not let your concentration disturbed. You must avoid some bad habit of taking your attention to other things besides driving, such as making and receiving phone calls, or even typing a message along the way. These things proved to be very dangerous, because the situation is now increasingly crowded roads, it takes a higher level of concentration in control of your car to destination. The last tips, obey the traffic regulations. The traffic regulations is important, this I’d made to keep the safety of the driver. So you must obey and not violent the traffic regulations. You must following the phenomenon of added speed when the yellow light and the more quickly when the lights went red, or other. Every time you make a decision to violate, you’re ready to do harm to yourselves and others.

If you have some trouble with your lovely car that caused by collision, the do not worry. auto collision prevention   ready to help you. It is provide car repair service, actually for the car that get collision. It is handled by professional at the vehicle repair service. So do not hesitate anymore. Just immediately call now. Surely you will not regret with the result for your car

Category: Insurance

How to find the professional one for repair your windshield

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Car is one of vehicle that usual used by a lot of people. Having a private car make people feel easily to going to anywhere at anytime. Almost people in big city are having their own car. Taking care the condition and performance of the car is important. People should doing regularly check the condition of the machine, then always check the tires too. In order of that there is any something that also must be notice. There is windshield. The windshield also important, always note the condition of the windshield before starting the journey. make sure the windshield in good condition. If you get a trouble with the windshield, windshield repair Tucson is the best solution for you. It can resolve your trouble about windshield.

The windshield is part of the car that serves to keep from the heat and rain. Indirectly windshield able to maintain the security and certainly affect the comfort when driving. The windshield is one part of the car that often unnoticed in terms of treatment. Almost people usually forget to checking the conditions of windshield, they will notice the windshield when that was broken or dirty. It will damage the owner, because windshield is important when drive a car. In fact, when the windshield has been deformed or moldy, it will be difficult to repair. Even worse again the glass can not be repaired. If this situation occurs on the windshield then it  can make the driver get damage, because it would disrupt the view of the driver. It is therefore extremely dangerous if it is allowed to happen. Particular attention is necessary to treat the windshield from being frosted, opaque, scratched and greasy so it does not disturb the view when driving. How to clean the windshield properly and easily performed into one of the things that must be done to treat the windshield in order to avoid a car that frosted glass, frosted, etched or greasy. Then here the tips. The first tips, Do not use chemical ingredients or alcohol. When wiping do not using that ingredients for cleaning car window film, because it is not made of glass cleaner cars but on the contrary, can impair the function of damping the heat and cause blurred windshield. The second tips, Use a soft cloth to cleaning. If there is dirt, potentially making the glass becomes scratched and scraped. The third tips, Wipe the windshield with unidirectional, It is highly recommended. Then avoid wiping the glass with a twist. Because, wiping the windshield with a twist can cause scratches on the glass where there is sand stuck to the glass. if your windshield get wet dust so handling it quickly. the first flush of your car windshield with enough clean water to remove dirt from the glass of your car. Then use a soft cloth. Importantly, when the car is exposed to rain then it needs to be cleaned because sometimes the rain water sometimes contains acid, which can damage the glass structure of the vehicle. The fourth tips, When it rains, To avoid mold immediately. You should wiped moisture present in the inside of the windshield. The fifth tips, Note the dirt on the sidelines of the rubber window, Dirt is a potential to make a scratch windshield if not cleaned. The last tips, Clean the glass 2 times a day. To avoid dirt sticking too long. There some tips that can you use when cleaning the windshield.

If you get a trouble with your windshield, do not worry. windshield repair Tucson Always ready to help you. It is provide a repair service for windshield. It will make your windshield look good and clean. The you can driving your car more comfortable. So what are you waiting for? Immediately contact now.

Category: Insurance | Tags:

How to avoid accidents when you are driving

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Car become the most intended vehicle for many people. Almost people want to having their own private car. Cars are very useful to travel that a special for far ways, not only car but also any another vehicle which is also beneficial to helping a human activity. The advantage of technological make many vehicles are equipped with many new features. These new features enable people to operation the vehicle. Having your own car is a pleasant thing. But keep in mind, before you start driving your own car on public roads. You must pass a driving test and have a driver’s license. In addition you must understand and familiar with traffic rules. Knowing the general condition of the car will also be very useful for you who will driving your own car. Why all of these are important? It’s because when driving on public roads, you need to concentrate and be careful. So you will not get an accident. Traffic accidents would be very dangerous for you, your lives are at stake. Therefore, safety is the main thing that must attention when you’re driving. If you have a collision and your car suffered severe damage, then collision repair Chandler AZ is the best solution that you can take. It’s able to repair cars damaged in a collision be good as new. If you are a busy person, don’t worry, it will be good time for you. You problem of car will be so easy and not waste your time. Just believe that everything will be all right and no need headache. Everything will be a simple ans easy way with it. Just visit the link above first then take many advantages.

There are many factors that cause accidents, to avoid accidents when you drive. So here are some tips to avoid a collision. The first important thing you must do is check the condition of the vehicle. Make sure if the vehicle that will be used in good condition, no damage whatsoever. Good in parts of the engine and other parts. You should also check the condition of the tires, make sure the tires are in good shape. The tires are not shortage or excess gas, and not thin. Do not forget to check the brake parts. The vehicle brake is still good or not. Second tips, position the right rear view mirror. Adjust the rear view mirror with a clear position so when you look in the rear view mirror has led to the rear, and more easily see traffic conditions behind you. The rear view mirror function is very important for your safety especially for motorists. The third tips, determine the best position while driving on the highway. The wrong position can make you uncomfortable and make the body feel tired so can cause cramping and fatigue. This is will make you fast tired when driving. In addition to use in case a comfortable position, do not forget to use the seat belt. Seat belts seem trivial, but this thing is very useful and important when driving. The fourth tips, concentration. Maintain concentration and focus on the future, because at the time of driving if do not know what things are going to happen. If fixed focus and concentration then bad things can be avoided. Do not do things that make concentration broken. For example, using a phone while driving, Do not use the phone while driving, it is very dangerous. If the call or a message on the phone is very important, then you should pull over and stop before answering the phone or the message. The Last Tips, obey traffic signs signs. Obeying traffic signs are there. For example, when the red lights then you have to stop, usually a lot of bikers and the car took the opportunity to fast running red lights because they think around it had been deserted. This should never be done, wait for the green light. After the green light you should only run the vehicle again. In addition, keep your distance with other vehicles. To avoid a collision with another vehicle,those are some tips that you can do when driving a vehicle on the highway. Remain cautious and do not forget to pray before driving your vehicle.

If you’ve already had a collision, then it is definitely your car is damaged. To overcome collision repair Chandler AZ damage to your car is ready to help you. It’s provide the best service with personnel who are experts in their field. Always Give the best results, satisfaction is the top priority.

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How to find auto repair service when you can not find it on the road

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Now, automotive so interesting for everyone to life. it will be so easily life. It relly useful for business or just for the privat transportation. You know right if you would like to use it for business or just a privat transportation, your vehicle must be good at all. It will be help you too more easily life and all your activities will be all right at all. But if you have something prblem with your car, especial on the read and there is not auto repair service to help you and you need auto repair Surprise Az for quickly. Then, it is the best information for you if you are suddenly need auto repair service on the road. You just need to visit the link above for more information. Then, just save for a contact number. It is specially for arizona location. Save the contact number is really useful in the future if you are suddenly need for it. It is the professional one. They will be the good one for repair your auto problem. What is the problem on your auto ? all of them will be clear at all. So you no need to headache to find auto repair service on the road when your auto are suddenly break down.

Auto repair Surprise AZ is best of auto repair that you can use for their service online. it is trust and you can believe on it. If you have some problem with your auto on th road such as : Charging and Starting, Carburetors, Engine Repair and Replacement, Exhaust Systems and many others. Not only that, now automotive like a style for every one. The automotive is so interesting life style. Your auto will be look like you style and gorgeous thing when you are attention for it.  If you need to remodeling performance of your auto, and you looking for the affordable price, then Auto repair Surprise AZ is the best answer for you. The price is not too expensive like other but it is affordable. So you can remodeling your auto to be gorgeous. Further more, not only for remodeling the performance, if you need to repair the auto performance after the traffic accident, then, it is the good things too. It will be the good answer for you to help your vehicle look gorgeous again. It is the professional one, all about the automotive problem will be clear and Get many benefit when you use their service. Then, you just need to vist the link above, and save for the contact number. Maybe, one day you need it for repair your automive. Let’s simple and easy way to repair your automotive.

To avoid the problem all about your vehicle when you use it on the road, and you can not to find the auto repair service there. For first you can save the contact number of auto repair Surprise AZ. Then, just to avoid, let’s try this step to avoid for car problem and avoid for the traffic accident.  Here the step and tips that you need to do before long drive on the road :

If your vehicle use a carburetor system, it is mean that you need to checking the fan belt, spark plugs, valve sets, and condenser. Then, if you car applying on injection, you can take it to the nearest service station for cleaning the fuel filter, checking spark plugs and check the quality of fuel that you use. Then for diesel engine cars, let’s do check the air filter, diesel filter and oil filter on the car. After that, you need also need to check air radiator.  Water temperature radiator will controls the temperature of the vehicle. Make sure that the wiper is function, it will be avoid for traffic accident when the rain is come. Finally check for the headlights. Let’s see it is a bright flame or not. If the flame car lights dim, you should replace it with a new one before starting a long trip. It will help you more to avoid the problem on the road. Why look like that ? cause after you are checking, it’s mean that there is not problem on your car. so, you no need to worry if there is some problem about the car in the future.

Nine Discounts That Could Help You Save Money on Car Insurance

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Nine Discounts That Could Help You Save Money on Car InsuranceWhen it comes to saving money on your monthly expenses, car insurance is not something you want to go without. Not only is it illegal to operate a vehicle without minimum coverage, but having a good policy also protects you, your loved ones, and your vehicle investment. Fortunately, getting a top policy doesn’t mean you have to pay a premium price. There are many ways you can save on your car insurance, and one of the main ways is by receiving discounts. Here are nine discounts that you may qualify for that could save you a bundle on your monthly payment.

Payment Discounts

You have to pay your car insurance premiums no matter what, so why not pay them in such a way that saves you a little money in the process? If you can swing it, paying a full year’s or half a year’s worth of premiums up front may allow you to qualify for a discount. Not an option? You can still receive a discount on many policies just by signing up to have your payments automatically drafted from your account. In many cases, you can also receive a price break by signing up for paperless billing, allowing you to save money and de-clutter your mailbox at the same time.

Bundling Policies

Holding multiple policies with the same insurer, or bundling, often allows the policyholder to receive a discount. Having multiple vehicles covered by the same company is another way that customers often qualify for monthly savings.

Defensive Driving

By taking a quick defensive driving course, you can save money on your policy costs. With many courses being offered online, completing a course is quick and easy, and doing so can provide you with valuable knowledge to protect yourself and others on the road.

Safe Driver

Get rewarded for being a safe driver and having a clean driving history by receiving a discount. Many companies offer these types of savings, so it is important to check with your provider and see if you qualify.

Green Vehicle

Not only do you reap cost savings when you purchase a fuel-efficient vehicle, but you can also shave dollars off your premium cost as well. Many companies are ready to reward eco-friendly vehicle operators by helping them save on their monthly bill.

Safety Features

Vehicles with certain safety features often qualify for insurance discounts. Some safety features that may qualify for cost savings include daytime running lights, airbags, motorized seat belts, and anti-lock brakes.

Loyalty

Sometimes shopping around for the best policy can you get the best deal, but it can also pay to stay with the same insurer. Many companies offer policy savings to loyal customers.

Good Student

It is no secret that insurance policies for young drivers can be very expensive. However, a young driver who is also a good student can reduce some of that expense by qualifying for cost savings through earning good grades in school. Some companies even offer discounts to students who are attending school far away from home.

Military and Occupational

Members of the military are eligible for premium cost reduction with many companies. Certain other occupations may also be eligible for savings, including teachers, nurses, police officers, and firefighters, so it is important to check with your provider to see what they offer.

While you can’t be without car insurance, you can go without paying full price. By knowing which discounts are available and taking advantage of the ones that apply to you, you can shave costs off of this monthly expense and enjoy a little extra cash in the bank.

Purchase Vehicle Insurance in 2 Easy Steps

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Finding the best insurance for your vehicle can sometimes seem overwhelming, how much cover will I actually need? Do I need a comprehensive policy that covers everything or perhaps a third-party liability cover will be enough? What does the law require for me to do in terms of vehicle insurance in my state or city? And then, how do I actually go about arranging insurance for my vehicle? Let us cover in 2 easy steps to how to find the best cover for you and how to then shop for it.

Firstly, find out how much vehicle insurance you actually need?

It is always important for drivers to be fully insured for any type of mishap that may happen whilst driving, however, depending on your location you may be required to have a certain type of vehicle insurance if you are of a certain age, driving level skill i.e. how long you have driven for, your gender and most importantly your age and the distance you travel. Are you driving long distances every day or only using your car for driving to work and back short distance? You may want to save some money by using a third-party insurance cover which covers only property damage. Are you a younger driver or a senior citizen? You may want to invest in a more comprehensive cover which will protect you from larger accidents were they to happen.

Some insurance companies will rate drivers differently according to age, gender and experience you should always have that in mind when shopping around for insurance in order to look for companies that will give you the best deal according to the consumer, you!

Now secondly, how to you go about shopping for the best deal?

Time to begin shopping! It is important to mention that with most new vehicle purchases – depending on your location – You will be required to buy full comprehensive insurance, especially if you are buying a new car, then your decision-making has just been made easier! But for those of us who couldn’t afford a brand new car – not yet anyway – here are some options to look for.

Vehicle insurance companies will vary largely, depending on your driving record, the type of vehicle you would like to insure and your credit history so it’s wise to do some research. It’s important to do a quick Google search for vehicle insurance comparison websites and take a look, you will find there are 3 main types of insurance companies such as:

1. Direct sellers – These are insurance companies which will bypass traditional insurance brokers and sell directly to you which usually mean there’s no agent to pay a commission to so the savings are passed on to you! Because of this, these sellers usually accept only the very best drivers, something to be watchful of if you have any prior driving violations.

2. Large National brands – Although their pricing may be a bit more expensive than the previously mentioned, these insurance companies are better equipped if you may have a bit of a blotchy past, they are also usually good at matching the pricing of the direct sellers.

3. Independent insurance agents – These sellers offer all kinds of insurance from different companies, good if you are trying to compare different policies from different insurers and you are finding difficulty due to perhaps a patchy record.

Remember that with whatever policy you look at, you should ask questions like, will my policy cover skip towing services as in 24 hour roadside assistance in case of a breakdown? Is glass insurance part of my comprehensive coverage and not a separate policy? Are there any special discounts you are offering to new members? Important questions that will help negotiate for a better deal.

So there you have it! Hope you find this helpful and happy motoring!

Category: Insurance | Tags:

Purchasing the Best Car Insurance

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In the past, car insurance was not a necessity, as some people went for it and some did not. However, today an auto coverage policy is one of the crucial things in your life, if you own a car. People need proper coverage, no matter how luxurious or modest their car is.

The way people buy insurance has also changed. In the past, buying a car insurance just meant to meet your neighborhood agent and ask him for it. But now, it is somewhat different, as you have got lots of other options at your disposal from where you can get your vehicle insured, with some entirely new coverage choices.

Buying car insurance: Which method to choose?

When you want insurance for your car, you might be puzzled as from where you should get it. Should you deal with an insurance agent or should you go online? You can choose among different options for getting your car insurance. This includes:

  1. Buying from captive agents
  2. Buying from independent agents
  3. Buying online

People, who prefer personal services and like to form face-to-face relationships, should certainly purchase their policy from an agent. But, since there are different agents, they need to decide which one is the best for them.

Among these, some are called ‘independent agents,’ who sell insurance for numerous companies and some are ‘captive agents,’ who sell insurance for just one firm. Let us see the different features of these agents, so that you can decide easily and quickly the right agent for yourself.

1. Buying from captive agents

You should buy your coverage from a captive agent, if you are dedicated to a specific insurance firm. Since captive agents deal with only one company, they will know all the different insurance options offered by that company. And, thus they can assist you to build the right package based on your needs. However, captive agents may take more time to respond to your questions and to know your needs as compared to independent agents who work for commission.

2. Buying from independent agents

You should buy a policy from an independent agent, if you want to check out the different insurances provided by different companies, as independent agents deal with several companies and not just one particular insurance firm. This way you can get a better rate.

And, since independent agents are not directly employed by any one firm, they would not push one specific product and will tell you the right things about all the insurances. Thus, independent agents can aid you to find inexpensive coverage for your car. However, since they work for commission, they are under more pressure to grab a deal as soon as possible.

3. Buying online

The third option is to skip insurance agents completely and to work directly with the company online. However, for this you have to do most of the work yourself. You have to conduct a thorough research on different coverage providers, what they offer, the rates of their insurance, and what all their policies covers. Then, you can talk to the company, that best fits your needs to procure the coverage itself.

Among these, some insurance companies that employ agents do not necessitate you to work with them and a few of them do not employ agents at all. Buying auto insurance online is one of the best options for you if you do not have much time and want to get inexpensive car insurance, as it saves you from paying commission to an insurance agent. If you are not sure about your car insurance needs, then buying car insurance online, without an insurance agent can cause you to buy the wrong, too little, or too much insurance.

Select your type of coverage

Besides deciding which company to go with, you must also consider which policy you want. There are three main types of policies, including traditional, usage-based, and per-mile car insurance. So, have a look at these three car insurance coverage programs before you settle for one particular car insurance.

1. Traditional auto insurance

In this type of auto insurance, the insurers determine the quotes for the policy with the help of various personal factors, such as your age, driving history, gender, credit score, etc. Generally, the more risk you have as a driver as per these factors, the more high your insurance rates will be. In this, you can opt for a minimum coverage amount as per the state law or else you can select from a long list of different types of auto insurance coverage.

2. Usage-based auto insurance

As opposed to the traditional car insurance, where insurers presume your driving skills depending on a list of different risk factors and your accident history, usage-based car insurance providers offer you car insurance by seeing you in action in real. In this type of car insurance, like Allstate’s Drivewise or Progressive’s Snapshot, you get a telematic device, which you have to plug-in your car. This device records how you drive and your driving behavior, especially your bad driving habits like accelerating or hard braking.

So, if the device records that you are a low-risk driver, then you can save your money with usage-based car insurance. However, if it records that you frequently drive late at night or you drive fast, then it would not help you save money with your car insurance. Additionally, many usage-based car insurance programs are not available in each state. Therefore, if you are devoted to one insurance company, then you may have to switch your company, in case you move to a different state.

3. Per-mile auto insurance

Per-mile auto insurance providers also use a telematic device, but they focus on just one thing, that is how little or how much you use your car. However, this car insurance type is still new and is not available in every state. Among others, Metromile is the best provider of per-mile car insurance and is available in seven states until now, which are California, Illinois, Oregon, Pennsylvania, New Jersey, Washington, and Virginia.

Additionally, per-mile providers use the same elements as traditional insurers in determining your car insurance rates, but you can save some money through its telematic device. If you do not use your car much and use it only for emergencies, then your premium may be cut significantly. However, if you normally drive your car, then there are fewer chances of you saving money from it.

Shop around

No matter how you purchase your insurance, whether you go for a dedicated agent or you directly sign up with a car insurance provider, you must shop around in order to get the best rates. Do some homework and do not just settle for the first deal that comes your way. This is because rates for the same policy can differ from one company to the other by thousands of dollars. Therefore, comparing different car insurance offers is the best possible way to land up a good deal.

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Is Mobile Telematics Technology Promising for Auto Insurance

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At a time when road accidents cause the death of millions, there is a need to check driving behavior through mobile technologies.

According to WHO, 1.25 million people die due to road accidents. WHO also estimates accidents will be the seventh leading cause of deaths globally. Is there a need to press the panic button in the face of these figures? What kind of education is required to check accidents or reduce the accident risks? Let us dwell deeper.

According to Bob Joop Goos, chairman of the International Organization for Road Accident Prevention, “Over 90% of accidents are caused by human error.” Human error is all about driving behavior, isn’t it? Well, if it is so there is a need for a driver scorecard for improving driving and making driving safe. This is to ensure that he get his insurance claim hassle free for losses incurred. Having come thus far, let us go into the technical aspects of enhancing ones driving behavior. Moreover, let us also consider whether one has to pay ‘fixed premium’ or ‘pay as you go’ or ‘pay how you drive’ for auto insurance.

A person living in the State of Alabama is paying $1,500 a year on an average. Suppose a person living in the city is paying $1500 where he is prone to more accidents against a person lives in the suburbs paying the same amount where less chances of accidents. Suburban drive is easy compared to driving in cities. Remember the city driver will drive lesser kilometers in comparison with the suburban driver who drives more. The city driver is prone to more accidents. On the other hand the suburban driver is prone to more wear and tear of his vehicle. If fixed premium is collected from both drivers, how does this make sense? Now if you are giving an option to choose between the following:

• Fixed premium annually
• Usage based Insurance (UIB) which is pay-per-use

What will you choose? Everybody wants to be cost effective; none wants to end up in loss. Therefore majority is likely to choose the second option. The reason is more customers are mobile. Customers can download the mobile application on mobiles to track their driving data. Risk assessment is easy with mobile telematics application. Assessing risks like driving at peak traffic hours, following traffic rules or not, parking hassle free, speed driving etc., and take necessary precautions in future with the help of tips provided by the application on mobile device.

Digital technologies are empowering the insureds to pay as you drive (PAYD) insurance, pay how you drive (PHYD) by the customer. How this is going to affect the insurance industry? This is another area that requires discussion.

Mobile telematics technology integrates technologies like Global Positioning System (GPS), Mobility, Cloud and Big Data analytics where driver uses data to enhance his driving behavior. This will reduce accidents. The mobile app gives information on like hard braking applied, rapid acceleration, road types, driving smoothness, phone distraction, traffic alerts, speed and mileage etc. Besides, insurers can deliver personalized services and bring in new customers by reducing processing delays. Club the advantage of enhancing driving behavior with Usage Based Insurance. This will surely get the support from State as well as from businesses.

Shall we gain more insights on this? Businesses are looking for productivity, government wants productive citizens. No one wants their productive ones to be injured or be a burden. It is in this context there is a likelihood where insurance companies, businesses, and government may work together to reduce productivity risks. Driving behavior is the prime cause for road accidents. Mobile telematics technology has the capacity to enhance drive behavior, reduce accident risks and workflow not disrupted.

Mobile telematics technology also has its bearing on automobile industry. As we know luxury automobile manufacturers come with inbuilt telematics, small brands charge extra for automobile electronic accessories. These black box technologies are pushing the cost of cars upwards. In such a scenario, mobile telematics technologies lowers technology cost with the integration of integration of technologies such as Global Positioning System (GPS), Mobility, Cloud and Big Data analytics on smart phones. Advantage for would be vehicle owners.

At a time when deaths caused by accidents are listed as seventh worldwide government, insurers, businesses and the general public, mobile technologies offer hope to reduce risks. Canada is hosting Insurance Telematics Canada 2016 on 28, 29 April at Double Tree Hilton, Toronto. In the previous year 2015 43% of insurance companies attended the event. This year the event intersects auto tech and insurance expecting more attendance to brainstorm.

 

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Accident Insurance and More

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car accident insuranceAccidents happen and they happen all of the time.

Before 1848, there was no official manner in which travel on railroad could be immune to the eventuality of risk exposure to losses and damages. In a groundbreaking move, the Railway Passengers Assurance Company of England, sold policies to anyone interested in the coverage. After that, the idea of insurance protection spread like wildfire across the globe – heralding insurance plans for general liability and more – homeowners, commercial, auto, truck, workers comp, life, bonds and so on.

Although the original insurance companies were built on the notion that accidents result in bad consequences, this is not always the case. Who, after all, can claim they do not enjoy a bite of a chocolate chip cookie? Have you ever heard someone complaining about eating a potato chip? And what about modern medicine and the amazing cures they provide? Many of these beneficial products were created by… you guessed it – accidents!

Blessed Accidents

• When a cookie business owner realized she did not have the baking chocolate required for her recipe, she improvised by using a standard bar of chocolate. She reasoned that the chocolate would melt in the oven and become equivalent to the ingredient she lacked. Lo and behold, the chocolate bar in the finished cookie product was her claim to fame as the dotting chocolate chip version became an instant success story.

• After discarding an experiment dish in the trash, scientist Sir Alexander Fleming took a second look: why, the utensil was full of mold that continued to break up bacteria around it! The ‘accident discovery’ led to something amazing – a seeming miraculous drug, known as Penicillin that benefits mankind in every nook of the world to this very day!

• Engineer John Hopps thought he could cure hypothermia by inventing a device that would restore a person’s normal body heat temperature. With radio frequency, he chanced upon what we know today as the pacemaker, used by heart doctors all over to save patients’ lives!

• Who wanted a dish of burned groats? Not two brothers who left the scorched pot full of black contents on top of the stove. When the blackened groats became thick and dry, the men took note. Skimming off the moldy parts, they created the very first bowl of cereal made from corn that you can buy off the supermarket shelves in modern times!

• One disgruntled chef at a resort hotel decided to get even with a pesky patron who kept on complaining about the fried potatoes he was served. The chef fried extraordinarily skinny potato slices that were difficult to munch on. Surprise! Surprise! The customer smacked his lips in appreciation of the first delicious round of potato chips!