Car Detailing Manuals — Tips and Tricks that Save!

If your idea of car detailing is washing and waxing your car, you might be in for a bit of a shock. While you can save a lot of money making this a do-it-yourself (DIY) project, this is definitely a skill which has been developed over the years.


If you do not want to pay the detail shops to perform this work for you, buying a DIY manual on car detailing is probably the next best step. A manual will provide time-saving shortcuts, as well as tips to give you the professional edge you need.

Repair Minor Body Damage

We all hate the annoying dings and scratches we get from everyday driving. Luckily, a repair book can save you a lot of money. There are many how-to tips which will enable you to repair simple dents (such as hail damage), saving hundreds or even thousands of dollars.

Waxing and Buffing Techniques

Think you know how to wax a car? Well, after reading a manual you might find out you didn’t know as much as you thought! First, you need to start with the right type of polish or wax for your vehicle. Understanding the chemical and material makeup which provides the best shine and long-term protection will help you determine what type of wax to buy. Most do-it-yourself guides will even list a comparison of the most popular brands (so make sure you purchase a recent version).

Interior Preservation

The best way to make sure you don’t have to restore your interior is by preserving it. Easy how-to instructions explain the best way to care for leather, synthetic leather, vinyl, and cloth seats. You will also learn about wear patterns, and how to prevent them. Remember, prevention is the best medicine!

Interior Restoration

Although it is possible to completely restore the interior of a vehicle by having new upholstery installed, this is not always the most practical—or cheapest—method. Car detailing manuals demonstrate common methods to repair small tears in cloth, leather, and vinyl. They will also show you how to bring life back into your worn fabric, which is valuable since it is not always easy to find an exact match on vintage vehicles.

Engine Detailing

If you have ever purchased a car, surely one of the first things you did was open the hood to look at the engine – even if you didn’t have a clue what you were looking for! Whether you are looking to care for your existing car, baby your classic, or spruce up a bit before you sell, engine detailing is one of the most important steps in car detailing.

It is extremely important to follow the instructions in the do-it-yourself manuals. Some cleaning chemicals can cause accelerated deterioration of hoses and electrical components. Certain cleansers are not meant for automotive use, and their residue can remain flammable for several hours. Following a manual will prevent you from making the basic mistakes, show you the best techniques and tools to use (saving you scrapes on your hands as well as time), and can even help you create your own cleaning products which are just as effective as the one sold in your automotive store.

Wheel and Tire Maintenance

Keeping your tires looking good is a great way to keep your car looking good as new. While there are many great products out there to make your tires look great, you should know which ones clean, and which ones leave a residue all over the rubber which will haunt you once the shine wears off. When it come to wheels, it is important to keep them clean and protected. Small rocks and other debris on the road will put small pits in your wheels, making them more susceptible to rust and corrosion. A good how-to book shows you how to clean and protect your wheels so they look brand new for years.

It Just Makes Sense

Owning a how-to manual or book just makes sense. For a few dollars, you will have a wealth of knowledge and a handy reference guide to look at while you are detailing your car. You will pick up time-saving techniques and money-saving tricks that will improve the overall quality and safety of your DIY projects.

It just may turn out that car detailing will be a perfect new hobby for you!

About the Author

The Motor Bookstore sells repair and service manuals for cars, trucks, motorcycles, boats, farm tractors, and much more.

Car Detailing Manuals — Tips and Tricks that Save!

If your idea of car detailing is washing and waxing your car, you might be in for a bit of a shock. While you can save a lot of money making this a do-it-yourself (DIY) project, this is definitely a skill which has been developed over the years.


If you do not want to pay the detail shops to perform this work for you, buying a DIY manual on car detailing is probably the next best step. A manual will provide time-saving shortcuts, as well as tips to give you the professional edge you need.

Repair Minor Body Damage

We all hate the annoying dings and scratches we get from everyday driving. Luckily, a repair book can save you a lot of money. There are many how-to tips which will enable you to repair simple dents (such as hail damage), saving hundreds or even thousands of dollars.

Waxing and Buffing Techniques

Think you know how to wax a car? Well, after reading a manual you might find out you didn’t know as much as you thought! First, you need to start with the right type of polish or wax for your vehicle. Understanding the chemical and material makeup which provides the best shine and long-term protection will help you determine what type of wax to buy. Most do-it-yourself guides will even list a comparison of the most popular brands (so make sure you purchase a recent version).

Interior Preservation

The best way to make sure you don’t have to restore your interior is by preserving it. Easy how-to instructions explain the best way to care for leather, synthetic leather, vinyl, and cloth seats. You will also learn about wear patterns, and how to prevent them. Remember, prevention is the best medicine!

Interior Restoration

Although it is possible to completely restore the interior of a vehicle by having new upholstery installed, this is not always the most practical—or cheapest—method. Car detailing manuals demonstrate common methods to repair small tears in cloth, leather, and vinyl. They will also show you how to bring life back into your worn fabric, which is valuable since it is not always easy to find an exact match on vintage vehicles.

Engine Detailing

If you have ever purchased a car, surely one of the first things you did was open the hood to look at the engine – even if you didn’t have a clue what you were looking for! Whether you are looking to care for your existing car, baby your classic, or spruce up a bit before you sell, engine detailing is one of the most important steps in car detailing.

It is extremely important to follow the instructions in the do-it-yourself manuals. Some cleaning chemicals can cause accelerated deterioration of hoses and electrical components. Certain cleansers are not meant for automotive use, and their residue can remain flammable for several hours. Following a manual will prevent you from making the basic mistakes, show you the best techniques and tools to use (saving you scrapes on your hands as well as time), and can even help you create your own cleaning products which are just as effective as the one sold in your automotive store.

Wheel and Tire Maintenance

Keeping your tires looking good is a great way to keep your car looking good as new. While there are many great products out there to make your tires look great, you should know which ones clean, and which ones leave a residue all over the rubber which will haunt you once the shine wears off. When it come to wheels, it is important to keep them clean and protected. Small rocks and other debris on the road will put small pits in your wheels, making them more susceptible to rust and corrosion. A good how-to book shows you how to clean and protect your wheels so they look brand new for years.

It Just Makes Sense

Owning a how-to manual or book just makes sense. For a few dollars, you will have a wealth of knowledge and a handy reference guide to look at while you are detailing your car. You will pick up time-saving techniques and money-saving tricks that will improve the overall quality and safety of your DIY projects.

It just may turn out that car detailing will be a perfect new hobby for you!

About the Author

The Motor Bookstore sells repair and service manuals for cars, trucks, motorcycles, boats, farm tractors, and much more.

Car Accident Insurance Claim Regarding Impacts And Injuries

As of January 2003 it was determined that in the good ole‘ US of A, there were approximately 12.3 million motor vehicle accidents involving over 21 million vehicles last year. This amounts to a little over one crash per second. Let’s take a look at four of the most common of these gazillion impacts and the typical injuries they cause.

#1. LOW SPEED IMPACTS - - ESPECIALLY REAR-ENDERS: These are crashes that are considered to be any collision that takes place at speeds under 10 MPH. While there is absolutely no justification to call it a “Low Speed” impact that’s what the insurance industry loves to identify them as. Why ? Because a moniker like that is supposed to indicate that the, “so-called impact”, you were subjected to could not possibly have caused an injury.

It’s true that when such a crash does take place there’s often not a lot of damage done to the motor vehicle and yet, in most cases, people involved in these types of accidents more often than not suffer injuries - - neck injuries especially!

Although the insurance industry would like to have those making a claim think differently an injury can and absolutely does occur when a low impact collision takes place. The most common is identified as the “Whiplash”. This takes place when the occupants don’t have the slightest idea about the impending collision so they can’t brace themselves by forcing their back and/or neck against the seat or headrest. Because of this their body gets whipped and snapped about something fierce.

Automobile bumpers are built to withstand up to a 5 MPH crash without damage. This is not done to insure the safety of the occupant but rather to protect and limit the damage to the bumpers, keeping the cost of repair to a minimum. Many times vehicle to vehicle impacts can sustain an impact of 8 to 9 MPH before there’s recognizable damage to the motor vehicle. However, when the bumper doesn’t crumble and absorb the force of the impact, more of that crash is felt by the occupants. IMMEDIATE INJURIES: The individual that’s been crashed into by another (even at only 5 MPH) is thrown forward with a severe jerking motion - - causing necks to snap and backs to twist. Because of this many “Soft Tissue” styled injuries take place, including multiple body bruises, plus chest and rib injuries. In most cases adjusters attempt to deny the possibility of injuries in a low speed impact but research substantiates just the opposite! Sure, the motor vehicle will show little damage but the velocity and accompanying force have to be transferred somewhere, and that’s to those sitting in that vehicle. Cars are built to withstand such minor impacts - - the human body is not!

#2. FRONTAL COLLISIONS: In most frontal impacts the occupant’s can generally brace themselves because they’re usually aware of the collision they’re about to be subjected to. In Frontal Collisions the speed and weight of the vehicle play a role in the injuries of the occupant. (The more the vehicle crumbles at impact the less severe the injuries to the occupants. Many times airbags will deploy). In frontal impact collisions the speed and size of the vehicle determines the injuries that can take place. (And - - getting back to rear-end collisions for just a moment - - the striking vehicle not only undergoes a collapse, but transfers momentum to the car that’s been struck by pushing it forward. The airbag may or may not explode. This depends upon the rigidity of the vehicle that’s been struck).IMMEDIATE INJURIES: Head and neck, back, spine, rib and clavicle, arms and legs, concussions, soft tissue, internal, dislocations, abrasions, cuts and bruises.48 to 72 hours later: Headache, blurred vision, dizziness and loss of taste, smell or hearing. Also, difficulty breathing, blood in urine or stool, swelling, loss of motion and visualized bruising take place.

#3. SIDE IMPACT: Many times the occupants head will hit the side window and bounce off of it. There are no air bags nor bumpers, engines, etc., to help protect ones body or absorb the force of the impact. IMMEDIATE INJURIES: Head and neck, arms & legs, soft tissue, dislocations, scrapes and bruises. 48 to 72 hours later: Pain, headache, blurred vision, dizziness, loss of taste, smell or hearing, numbness or tingling (and basically the same as those listed above) so, at the risk of being repetitious but because it’s so important, I must say once again: It’s of major importance that the individual exposed to impact - - no matter how slight it may seem to have been - - should immediately be examined by a medical professional.

#4. ROLL-OVER ACCIDENTS: The typical roll-over accident is very serious. The most common factors in single vehicle accidents are approaching a curve at too high a speed, leaving the pavement or highway, or over-correcting the steering wheel - - particularly in vehicles with a short wheel base. The severity of injuries to the occupants generally depends on the beginning velocity of speed, the number of rolls, condition of the vehicle, and what your motor vehicle rolled through, over and into! Damage to the vehicle is generally extensive. It has been determined that 60% of the economic costs from roll-overs resulted from occupant ejection, and that the initial roll-over speed was between 40 to 60 MPH. (A recent study reported that restrained occupants showed a higher proportion of neck injuries than the unrestrained).

IMMEDIATE INJURIES: The whole nine yards - all of those as detailed above.

*******************

The bottom line (to all 4 of the above) is that in all motor vehicle accidents - - no matter how minor the damage it’s of the greatest importance that each and every individual immediately visit a medical professional for a physical examination and/or consultation. So, should you find yourself at the scene of an accident and somebody asks if you think they should see a doctor, your answer should always be, "ABSOLUTELY " ! Stare straight into their eyeballs and tell them, “It’s your body. There’s only one to a customer. You should do whatever you can to take care of it and protect it”.

DISCLAIMER: This article ~ CAR ACCIDENT INSURANCE CLAIM ~ REGARDING IMPACTS AND INJURIES is intended for background information only. Its purpose is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Thomas Brown nor ARTICLE CITY make any guarantee of any kind whatsoever NOR purports to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. where such professional help is desired IT IS THE INDIVIDUAL’ RESPONSIBILITY TO OBTAIN IT.

Dan Baldyga’s third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at: http://www.autoaccidentclaims.com. This book reveals “How To” successfully handle your motor vehicle accident claim, so you won’t be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the “Pain and Suffering” you endured - - because of your personal injury.

Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved

Dan Baldyga - Author


19 Winona Drive, West Springfield, MA 01089


Phone: (413) 733 0127 FAX: (413) 731 8358


Mail to: "mailto:dbpaw@attbi.com"


AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss)


Found on the internet at: "http://www.autoaccidentclaims.com"

About The Author

For over 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retried and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.


dbpaw@attbi.com

Accident Insurance Claim Personal Injury Insights

There’s nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the “pain and suffering” you were forced to deal with.

Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense’s, including repairing your motor vehicle, lost wages, a shock to your life style, a tremendous inconvenience and short or long periods of pain and discomfort - - all of it a direct result of your injuries.

Plus, there's a long list of possible medical expenses. For example: Doctor/Chiropractor, Prescription Drug Bills, Ambulance, Emergency Room Care, Hospital or Clinic, Specialist and/or Dentist, Laboratory Fees and Services, Diagnostic Tests, X-Rays and (CT) Scan, Prosthetic Appliances or Surgical Apparatus (Canes & Crutches), Physical Therapy, Registered and/or Practical Nurse Fees, Gauze and Tape, Ace Bandages all of which the insurance company must pay whether they like it or not!

Also, Creams, Lotions, Ointments, Balms and Salves, etc. (Should the lady in your life apply any of these to your aching body I'm sorry to tell you this but her labor is not an expense you can claim).

YOU MUST BE COMPENSATED BY THE INSURANCE COMPANY FOR ALL OF THE ABOVE: It's true that a very small percentage of motor vehicle accidents cause big, serious injuries but that doesn't mean you shouldn't be paid big, serious bucks!

EXAMINATION BY THE INSURANCE COMPANY DOCTOR: Claims Adjuster Henry Hard-Nose of Rock Solid Insurance will usually try to pull a fast one insisting he wants you to be examined by the physician of his choice, the local medical con-man of all time, Dr. Nuttin' Wrong. Beware of such a request. Doctors assigned by the insurance company are notorious for stating, in the report they're paid big bucks to execute, "There is no objective basis", for your complaints.

You don't have to agree to be examined by Dr. Nuttin' Wrong. Rock Solid Insurance cannot insist that you submit to their doctor for an examination unless your claim actually becomes a formal court case. So, hold your ground until your attending physician, Ole “Doc” Comfort, has released you. After that it's okay to agree to be examined because by then it's too late! So much time will have passed it will be impossible for Dr. Wrong to minimize the pain, discomfort and suffering your injury has caused you.

WHAT TO DO ABOUT YOUR MEDICAL BILLS IF YOU MAKE THE MISTAKE OF OBTAINING LEGAL HELP FROM ATTORNEY I. M. SHARP: Should yours be a case in which there's no question that you're not at fault, make it clear to the Legal Beagle you've hired, I. M. Sharp, Esquire, that you expect his Contingency Fee will not apply to that which he recovers for the damage to your car, your medical bills, and/or your payment for lost wages. You tell him these are damages you would have collected ANYWAY - - whether he was handling the case for you or if you settled it yourself. Don't you dare be foolish enough to hand him a huge percentage of that which you were going to be paid by the insurance company, whether Attorney Sharp handled the case or not. To do so is the height of financial stupidity!

YOUR BODILY INJURIES: It's a proven fact that the vast majority of motor vehicle accidents cause minor injuries. While bodily injury pain can be specifically measured the limits of what you can endure cannot. Each of us has a different "pain threshold" - - that is, the point at which we begin to feel physical pain. The amount and quality of pain you feel is not strictly dependent on the bodily injury inflicted. It has a lot to do with your previous experience, how well you remember it, and your ability to understand what caused you that pain, and its consequences, the last time around.

Stress and strain magnify physical pain plus personal anxiety will greatly increase it. There are also emotional reactions to the injury. A bodily injury is bound to cause some degree of mental distress. The duration and severity that depends on a number of factors: The type of individual you are, the ultimate consequences of the injury you sustained, and the life stresses or strengths you're experiencing at the time of your injury. (If you can't stand her and she takes a powder you’ll handle your pain better if you really dig the chick and she dumped you for your best friend)!

When it comes to muscle injuries one thing you must keep in mind is that when one part of the body demands rest (by sending out a pain signal) and - - without your even realizing it - - you help your body by placing a new burden on other muscles. It gets complicated because although those muscles may not have been directly injured in the accident, they can still get buggered up and produce a lot of pain because of their new role.

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle motor vehicle accident claim process. Neither Dan Baldyga nor (name the magazine/newsletter and/or web site) make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.

Dan Baldyga’s latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or visit your favorite bookstore.

Copyright (c) 2002 by Daniel G. Baldyga. All Rights Reserved

About The Author

For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of. dbpaw@attbi.com

Accident Factoids

Accidents, personal injuries and insurance claims are here to stay. No matter how far into the 21st Century American’s elect to drive (unless by the beginning of the 22nd Century we’re all zipping around in our own personal space ship) motor vehicle accidents will continue to pile up; with no end in sight!

  • There are more than 200,000,000 licensed drivers in the United States. (As of 2003 we’re close to a yearly 7 million motor vehicle accidents, involving well over 3.5 million injuries).

  • Car accident crashes cost society an estimated $4,900 per second. That’s about $25,000 in the time it took to read this fact.

  • Current records show that most American driver’s will have a near motor vehicle accident 1 to 3 times per month and will be in a collision of some type on the average of every 5 to 8 years plus these records also indicate that licensed teenagers are 22 more times likely to get a speeding ticket than those who are 65 years of age or older.

  • In 1896 there were only four cars registered in all the United States. Two of them collided with each other in St. Louis.

  • By the year 2025 there will be 33 million people 70 years or older in America. This segment of the population will be growing 2.5 as fast as the total population. They will make up the largest percentage of the “turning left” and “rear end” accidents. Slowly but surely Senior Citizens have developed a higher accident ratio than teenagers. (This will, in time, seriously impact the typical Senior Citizen’s pocketbook). And also, by 2025, the total costs for motor vehicle accidents in the United States will exceed 450 billion dollars.

  • The world’s most solitary tree is located at an oasis in the Tenere Desert in Central Africa. There’s not one other standing tree within 31 miles. In 1960, it was smashed into by a truck.

  • Up-to-date statistics clearly reflect that 1 out of every 5 Americans are involved in an alcohol-related car crash at some time in their lives and the day in which motor vehicle accident injuries occur most often is Saturday. Sunday is second.

FIVE CRUCIAL MEDICAL DEVELOPMENTS THAT HAVE SLOWLY BUT SURELY COME TO PASS. THESE WILL SERIOUSLY (AND FOREVER) IMPACT THE VALUE OF PERSONAL INJURY CLAIMS IN THE YEARS TO COME:

  1. Records prove that a motor vehicle accident of as little speed as 5 MPH can produce a “whiplash-type” injury.

  2. The symptoms arising from an injury sustained in a motor vehicle accident do not necessarily present themselves immediately following an accident.

  3. Medical research and clinical experience have accumulated enough information to demonstrate that the delay of an injury symptom is the norm.

  4. Studies have established that the delay of a symptom does not eliminate the possibility of severe injury.

  5. It’s been proven that individuals can continue to be symptomatic for many months (even years!) after a motor vehicle accident. In addition approximately 75% of them remain symptomatic for a minimum of 6 months after the accident. (And current up-to-date statistics reveal that between the first and second year after an accident has occurred over 20% of those injured actually have their symptoms worsen).

Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved

DISCLAIMER: The only purpose of this article, MOTOR VEHICLE ACCIDENT FACTOIDS has been created to help people understand the motor vehicle accident claim process

Dan Baldyga makes no guarantee of any kind whatsoever; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.

Dan Baldyga worked for over 30 years as an insurance adjuster, supervisor, manager and trial assistant. Since his retirement he has written 3 highly successful “How To” Insurance Claim books. His latest: AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) which includes BASE, The Baldyga Auto Accident Settlement Evaluation Formula for determining the value of ones “Pain And Suffering”, can be found on the internet at http://www.autoaccidentclaims.com.

About The Author

For 30 years Dan Baldyga was a claims adjuster, supervisor and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims, so they will not be taken advantage of.


dbpaw@attbi.com

Accident Collecting For Your Lost Wages

A couple months ago you were toolin' on down the avenue, minding your own business, when out of nowhere, this fumbling, stumbling man by the name of Freddie Fuddle flew through a Stop Sign and plowed into you with a gigantic, rip-roaring, screeching broadside. You were wearing your seat belt but it was still a thundering crash that wrenched and whipped you around the inside of your motor vehicle something fierce!

Now, after a long recovery period, Fuddle’s carrier, Granite Mountain Insurance is clamoring to close the case and they've assigned Claims Adjuster I. M. Strong, to handle your case. You and Strong are sitting at your kitchen table talking about your settlement dollars. It turns out he’s got some hang-up’s regarding your lost income. Well, here are some things you need to know:

Lost wages are one of the most important element's of your damages. Listen to me carefully when I say, "You should not think about the days you missed from work as Lost Time and Earnings. It's not Lost Time and Earnings - - it’s Lost Earning Capacity“

You ask, “What‘s Lost Earning Capacity all about? I thought I could only collect for my Lost Income?” The answer to that is, “In many situations you can claim lost income EVEN IF YOU HAVEN'T LOST ONE SINGLE PENNY “. For example, this can happen when your salary is paid because you've elected to apply for the sick leave that‘s due you, or because of an Accident and Health Policy available for you to take advantage of, or some other such arrangement.

In most instances - - even if you were paid while out of work - - you should still get that money routinely identified as Lost Wages. Why? Because that's your Lost Earning Capacity. Your Lost Earning Capacity is what’s called a Compensatory Damage. Don't let Strong swindle you out of that Compensatory Damage. Even if you’ve received an income, in some other way, you're still entitled to it. Strong will do everything he can to take advantage of you, especially when it comes to getting paid for your Lost Earning Capacity. During the course of every settlement negotiation he gets involved in, he‘ll try that tactic on for size, and it’s mind-boggling how often he gets away with it.

The typical statement made at that point, by the unsuspecting claimant is, “Hey, I understand I’m to be paid for my lost wages.”

Strong answers, “You collected $200.00 a week from your Accident and Health Policy didn’t you?”

“Yeah, but my average weekly income last year was $275.00 a week.”

“Okay”, I. M. Strong flashes a well practiced, winning smile, that tells you he’s a fair insurance claim adjuster, when in his black heart, he knows he's not! “We’ll pay you that $75.00 a week difference. Let’s see, you were laid up and unable to work for 5 weeks. 5 times $75.00 is $375.00. Don’t worry my friend, I’ll see to it you’re paid that $375.00.”

“Wow!” you think, “that’s terrific !.” You’re thrilled to death with this great turn of events. But what you don’t know is that the $200.00 a week you’ve received from your Accident and Health Policy has absolutely nothing to do with your lost income. The bottom line is that Smart has just cheated you out of one thousand dollars! And, worse than that, the $275.00 a week income you lost (for a total of $1,375.00) would have (in a court of law) given your case $4,000.00 to $5,000.00 more value in settlement dollars.

DOCUMENTING LOST INCOME: Ask the company you work for to write a letter on their official stationary declaring your gross salary income and the days you lost from work.

GROSS PAY VS. NET PAY: You should collect the "gross" wage's you lost, not the "net".

TOTAL DISABILITY and/or PARTIAL DISABILITY: For every week of Total Disability (a fact which must be stated in your doctors Final Medical Report) you should use your gross weekly income - - even if you were paid! (For every week of Partial Disability your doctor states in that Final Medical Report, you have the right to claim a substantial percentage of your income, during that period, even if you didn't lose any).

Because the following five points give value to your claim be ready to talk with Smart about and, wherever possible, prove:

(1) If your work demands heavy labor and/or lifting. (2) If you lost any vacation time or sick leave. (3) If there was any possible loss of money you could have earned in the future - - either with your company or maybe other income you've got bubbling and boiling on the side. (4) If you had to forgo any bonuses. (5) If you lost an opportunity that would have led to a better job.

If any of the above five points are true than your claim is worth more money!

THE CRUCIAL MEDICAL REPORT: The Granite Mountain Insurance Company and Adjuster I. M. Strong know that the longer your recovery period, the greater your "pain and suffering", therefore the higher the settlement value of your bodily injury claim. Your Chiropractor or Attending Physician must also note this in his Final Medical Report. Tell him to state exactly how long it will be, before you can get back to routine activities like golf, hunting, fishing and/or rockin' and rollin' with your lady friends.

As long as you have problems keep right on going back to see your doctor, again and again, even if it drives the poor bugger nuts! Do this because the fact that your records show a visit to him, four, eight, or twelve weeks after the accident, proves your injury needed constant attention, therefore you were unable to work. Also because, when you visit your doctor and tell him there's no let-up of your pain, discomfort, stiffness or immobility - - those continuing problems must be written into the Medical Report he'll provide for you when you've finished treatment. That's the one you'll hand to Adjuster Smart when the two of you begin to talk turkey. As he reads it you’ll watch him frown, then blanch as that cocky smile disappears from his face. When you see him do that you‘ll know, "ya got him"!

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever; NOR does he purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.

Dan Badyga’s latest book Auto Accident Personal Injury Insurance Claim (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or visit your favorite bookstore.

Copyright (c) 2003 by Daniel G. Baldyga All Rights Reserved

About The Author

For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.


dbpaw@attbi.com

Audi 6, Named As the World Car of the Year, Offers World Class Parts at Partstrain

Among the list of thirty six new vehicles out of the market before January 1, 2005 for at least five countries, on at least two continents, the Audi 6 was named as the World Car of the Year for 2005. This was held during the media preview for the Canadian International Auto Show held last February 16, 2005 in Toronto. The decision came out from the forty eight international automobile journalists representing sixteen countries that acted as the jury. They use twenty separate parameters including acceleration, braking, vehicle dynamics, safety features, cargo, and off road capabilities. They then selected the top 10 vehicles for the final round of voting.


The final selection was rated on five key areas of importance to costumers: merit, value, safety and environmental responsibility, significance, and wow factor! - the car's emotional appeal. The secret ballots were then collected and tabulated by KPMG, an international accounting firm.
The World Car of the Year programme is administered as a non-profit corporation with a Steering Committee of six journalists who oversee and monitor the integrity of the voting process. The Audi 6 surpasses the Volvo S40-V50 and Porsche 911 in a close race to be declared as the World Car of the Year.
"The concept of national borders is now almost non-existent in terms of where vehicles and their components are designed, engineered, developed, and built ... or where they are sold," said British automotive journalist, Graham Johnson, who is also a co-chair of the award program. "Considering the ever-increasing globalization of the automotive industry," he added, "the concept of a World Car of the Year award program was inevitable ... it is truly an idea whose time has come."

"An award of this magnitude rests like a crown jewel among a host of accolades for our new A6. To be selected as the ultimate winner from a list of so many deserving vehicles, by automotive experts from around the world is truly gratifying. It signals the universal appeal of Audi's approach to designing and building the most progressive, sporty cars in the premium class," said Johan de Nysschen, Executive Vice-President of Audi of America Inc., who received the award. "We are delighted to be the first-time recipients of such a prestigious award,” he added.

To know more about the Audi 6, or to purchase parts of the vehicle, visit http://www.partstrain.com/ShopByVehicle/AUDI . Shop other Audi models and other Audi model parts of any year also at www.partstrain.com.

About the Author

Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.

2006 Honda Civic Si: Automotive Innovation at its Best, Complemented with Honda Parts from Parts Train

Designed as an "Advanced Personal Compact," the next-generation Si will incorporate flowing bodywork, a steeply angled windshield, and wide stance to suggest stability and forward motion. The new Si will be the fastest and most powerful Civic offered in its twenty-year history. The 2006 Civic lineup, launching this fall, will include a 4-door Sedan, a 2-door Coupe and Si Coupe, an even more fuel efficient Civic Hybrid and a natural-gas powered Civic GX.


The Civic Si Concept builds on its performance heritage with a 200-horsepower, 16-valve, and DOHC i-VTEC engine with an 8,000-rpm red line, mated to a close ratio 6-speed manual transmission. Helping to put all that power to the ground is a helical-type limited slip differential for improved launch traction and cornering performance.
A 200-horsepower 16-valve i-VTEC engine powers the 2006 Si. Honda sources indicate that next-generation i-VTEC technology will have significant gains in performance and fuel economy. A six-speed transmission will give drivers manual control of shift points up to the engine's redline of 8000 rpm, and a helical-type limited-slip differential will enhance traction and cornering ability.
The Si Concept includes performance features such as 18-inch cast aluminum wheels with 225/40R high performance tires, and 4-wheel disc brakes with large cross-drilled brake rotors. "The 2006 Civic Si Coupe will be the most powerful, fastest and fun-to-drive Si we've ever put on the street, and the Civic Si Concept sets the direction in terms of its styling, package and performance," said John Mendel, senior vice president of American Honda. "It's part of a new family of Civic vehicles that build on the already class-leading values of the Civic in terms of safety, styling, performance and fuel efficiency."
This new production Civic Si Coupe will serve as the performance leader for the 2006 Civic model lineup, which will be completely redesigned. The 2006 Civic will feature more emotional styling, enhanced performance, and the latest generation of "intelligent" i-VTEC engine technology.
One of the leading Honda Parts suppliers is Parts Train. They offer high quality aftermarket Honda auto parts at guaranteed lowest prices. Simply browse at http://www.partstrain.com/ShopByVehicle/HONDA and you have access to one of the largest Honda auto parts wholesalers in the United States. Parts Train offers a variety of aftermarket and replacement Honda car parts including radiators, fog lights, tail lights, air filter, Honda engine parts and many other Honda replacement parts. Parts Train's very friendly and efficient customer service staff will be waiting for your enquiries.

About the Author

Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.

2005 Ford Five Hundred Complemented with Top Notch Parts for Parts Train

The Five Hundred will become Ford's flagship sedan. It has higher seating, increased interior space, and optional all-wheel drive. The Five Hundred has considerably more interior space than the full-size Crown Victoria, even though it's only 25 centimeters shorter


"While the industry tries to make car-based crossovers, the Ford Five Hundred stands alone as the first crossover-based car" said Ford vice president Phil Martens.

It's a 4-door sedan with SUV and crossover advantages, including cargo capability, versatility, "command" seating and available all-wheel drive.

The Five Hundred's 3.0-litre Duratec V6 engine makes 200 horsepower while two transmissions will be offered: a six-speed automatic and a CVT (continuously variable transmission).

The front seat H (hip) point is four inches higher than that in a typical midsize sedan, and the rear seats are higher still. Legroom is best-in-class front and rear, while the trunk is biggest in class. An appealing truck/SUV attribute of the Ford 500 is high seating that helps drivers see over-or at least eye-to-eye with-other vehicles for a feeling of security.

Standard features include 17-inch wheels (upgraded to 18-in. on SEL and Limited), entry keypad and one-touch "up" front power windows. Options include AWD, leather seating with power adjustments (including power recliner for the driver), fold-flat front passenger seat, reverse parking assist and a moon roof, but not yet a navigation system.

The Five Hundred is a front-wheel-drive car with available all-wheel drive. It uses an electronically controlled, electro-hydraulic Haldex limited-slip viscous coupling just ahead of the rear differential to transfer torque to the rear wheels whenever the fronts begin to slip. Electronic controls gather information from the anti-lock brakes and other sensors to enable it to react within 50 milliseconds, much faster than competitive viscous devices.

Ford 500 Safety feature boasts structural advances such as "Space Architecture" cross-car beams, which won four top five-star safety ratings from the National Traffic Safety Administration (NHTSA), including for front and side impacts. It was the only 2005 model tested to win top marks for those two crash tests without the optional side air bags.

Only a few car parts manufacturers can match the quality that Parts Trainhas for Ford parts and the company boasts of an impressive array of Ford replacement and Ford car parts. Only the finest in the industry at extremely low prices that beats the automotive industry standard is the company's commitment to its customers. Parts Train has a certified secured online store http://www.partstrain.com/ShopByVehicle/FORD that ships your order right at your doorstep in the soonest possible time. Like Ford the car manufacturer whose foremost concern is fulfilling the needs of its customers worldwide, Parts Train is strongly committed to the utmost satisfaction of its customer base.

About the Author

Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.

18 Tips for Saving Money on Gasoline

Gas prices are on the rise again! Here are some tips to help you conserve gas and save money as we approach summer gas prices.

1. Keep your car tuned up. Cars in poor running condition use more gasoline.

2. Plan trips well to avoid unnecessary driving.

3. When you run your air conditioner you get much worse gas mileage. Use your air conditioner sparingly. If you have a lower setting, use it. Turn it on until the car gets cool, then turn it off and let the fan circulate the cool air. Never run your air conditioner with your windows open!

4. Keep your windows closed when traveling at high speeds. Open windows cause additional drag and lower your gas mileage. At high speeds, an open window can use more gas than many air conditioners (especially if they are on a low setting).

5. Check your tire pressure. Over-inflated tires can actually reduce your fuel efficiency, so don't overfill.

6. If at all possible, change your work start time to avoid gridlock. Stop and go traffic hurts your gas mileage.

7. Take unneeded items out of the car. You don't need to carry snow chains around with you in the summertime. Just make sure to put them back in when winter comes around.

8. Try not to idle your engine for long periods of time. If you are stuck in traffic and you don't think you are going to go anywhere in the next five minutes, you may want to turn your car off.

9. You no longer need to warm your car up for long periods of time, especially new cars. New cars are made to run when cold.

10. Don't travel at fast speeds in low gears unless you need the compression to slow down.

11. Try to drive the speed limit.

12. Try to accelerate slowly when leaving the stop light. It's not a competition with the driver in the lane next to you. The fastest person through the intersection just gets to spend more on gas.

13. No need to buy the highest priced gasoline. Most cars are built to run on regular unleaded. Check you owners manual or consult a mechanic. I have had many tell me that the more expensive gas is a waste of money.

14. Revving the engine needlessly wastes gas. There is no need to rev before you turn your vehicle off.

15. If at all possible, try to arrange car pools with co-workers to share the cost of commuting to work.

16. Walk, bike or run to your intended location whenever possible.

17. When the price is sky high, don't fill up. Wait for the price to go down before you fill up your tank. Filling up your tank when the price is peaking lets gas companies know that you are willing to pay ridiculous prices for gasoline.

18. And last, the biggest and most important step towards saving money on gas is always try to purchase vehicles that get good gas mileage. The difference between 20 miles-per-gallon and 40 miles-per-gallon is huge.

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You can publish this article in your publications as long as the footer at the end of the article is included and links are made active where possible. Please send a courtesy copy to fisher@thriftyfun.com

About The Author

Fisher Swanson is a regular contributer to The ThriftyFun.com News. ThriftyFun publishes information about thrifty living. Send an email to thriftyfunnews-on@thriftyfun.com to subscribe to The ThriftyFun.com News.


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15 Ways to Lower Your Car Insurance Quote

1. Shop around

The difference in price between various companies can be significant. What one company may consider a high risk factor another company may not view as so important. Insurance companies arrive at a price for your car insurance by adding or discounting money after each answer you give to the questions they ask you. Each company has its own rules as to what they consider should increase or decrease your premium. By shopping around you get a better list of prices to compare.

2. Buy a lower group car

One of the important factors that insurance companies take into account is of course your vehicle. There are thousands of different cars on the road so companies divide them up into groups. Most companies will adopt the ABI (Association of British Insurers) group rating. This splits up vehicles into 20 different groups. Generally speaking the higher the group rating for your vehicle, the higher your premium will be. Some companies may also combine your driving experience with the vehicle group to get a better idea of how high the risk is. This is one of the reasons why young drivers should consider buying a lower group car if they want to lower their insurance cost.

3. Consider Third Party Only cover

A Third Party Only insurance policy is the minimum amount of cover legally required - it is also the cheapest. Generally speaking you should consider opting for this type of policy if your vehicle is of low value. In the unfortunate event of having an accident, any damage to a third party vehicle will be covered but any damage to your vehicle is not. However, if your vehicle is of little value then you may not be too concerned. It may not be worth paying extra for a Fully Comprehensive policy in these circumstances.

4. Maintain a good credit rating

More and more insurance companies are adopting credit scoring techniques as part of the overall calculation of your car insurance premium. By keeping a good credit history you may avoid any additional premium that companies add to your price for having a bad credit score.

5. Buy on the web

Many insurance providers now offer some good discounts for buying the policy over the internet. The theory is that by purchasing your insurance over the web, you are saving the company money by not requiring telesales agent time and incurring free-phone costs. This saving is passed on to you in the form of a discount for buying online. If you have got prices by telephone then check your quote again on their website, you may be surprised at how much cheaper it is.

6. Have a higher voluntary excess

During the quotation process you will be asked how much voluntary excess you want to have. Insurance companies will generally include a compulsory excess amount on the policy but give you the opportunity to increase this if you wish. The more the voluntary excess the lower your premium should be. However, in the event of a claim, you will have to pay a higher amount yourself, up to the total amount of excess on your policy.

7. Reduce your annual mileage

How many miles you do a year is a common question that can affect your car insurance premium. The more miles you do the more your premium is likely to be. Quotation systems and telephone agents will often suggest an amount of miles for you. Try and work out how many miles you will genuinely do. It may be less than the amount suggested. Of course, you should always give an honest answer to this and other questions.

Get a cheap UK car insurance quote from http://www.acceptdirect.co.uk

8. Keep a clean driving record

This may be easier said than done. However, by having few or preferably no driving convictions, you can avoid being penalised by increases in your car insurance premium. Getting caught with a speeding fine is often not the only financial penalty you incur. Insurance companies take very seriously all driving convictions and it is usually an important part of their rating process. You can expect an increase in the cost of your insurance if you do get caught with a driving conviction, so it pays to be a safe driver.

9. Keep claim free

This ties in neatly with number 8 above. The biggest factor affecting the cost of your car insurance premium is how many No Claims Bonus Years you have. Full No Claims Bonus is generally considered by most companies to be five years or more, this can give you huge discounts, in some cases up to 75%. By being a safe driver and avoiding potential claims, you can continually benefit by building up your number of claim free years. Every additional No Claims Bonus year you get, the lower your car insurance cost should be. Some companies give you the option of paying a bit more on your premium to protect your No Claims Bonus.

10. Be realistic about the value of your car

Most of us have an inflated view as to what our car is worth. When asked the value of your vehicle during the insurance quotation process, people will often state an amount that is unrealistic and above the real value of the car. People do this as they believe that this is what they will get back from the insurance company in the event of a claim. The reality is that the company will only pay out what the car is worth at the time of the claim and not what you stated for the quote. In fact, by giving a high and unrealistic value, you can increase your car insurance premium as this is often a factor affecting your final price.

11. Remove unnecessary named drivers

Additional drivers on your policy usually mean a higher premium. A lot of people add a number of extra drivers on the policy just in case that person needs to drive the car. However, having all these drivers will push up the cost. By only naming drivers on the policy that will definitely driver the car, you can lower the final cost. If you find that an unnamed driver needs to drive the vehicle then most companies will allow you to temporarily add a new named driver for a small cost.

12. Improve your car security

Theft of and from your vehicle are important considerations when insurance companies calculate your price. Most companies will give you a discount for having better security of your vehicle. An alarm and immobiliser will usually attract a small discount whilst having a tracker device installed may give you a larger reduction. Some companies may insist on having such devices installed on more expensive and desirable cars before they even consider offering you a price.

13. Take an advanced driving test

Although not compulsory, taking an advanced driving test can not only improve your driving skills but also help to lower your car insurance premium. Some companies look favourably on people who have taken the advanced test as it shows commitment to safe driving thus lowering the chance of having a motoring accident.

14. Pay your premium in one go

By paying for your car insurance all in one go, you can avoid paying additional interest charges that would be added on if you opted to pay by instalments. The interest charges can be quite significant, so if your finances allow, you can save a good amount of money by paying for the whole lot up front. In some cases, companies may even give you a small discount for doing this.

15. Get married

Okay so this may seem like a dramatic final way to lower your premium. However, a number of insurance companies offer lower premiums when your named drivers are insured and spouse as opposed to two unmarried drivers. Some companies believe that this shows an element of stability which is a hallmark of safer drivers and give you a discount on this basis.

Copyright © 2004 Accept Direct Limited


http://www.acceptdirect.co.uk

About The Author

Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct sell low cost UK car insurance through their website http://www.acceptdirect.co.uk

10 Safety Checks to Make Before You Buy

From crash tests to child seats, here's what to look for when comparing vehicle safety


When choosing a new car, consider government crash-test ratings, as well as features like head restraints, electronic stability control, and rollover resistance.

There are many factors to consider when evaluating a vehicle's overall safety. They range from how it performs in an emergency-handling situation or protects its occupants in a collision to how easy it is to secure a child seat. When comparing vehicles, it's important to look at all the appropriate variables, including safety-related ratings and features. Below, we list 10 safety checks that are worth reviewing before you make your final buying decision.
1. Government crash-test ratings
The National Highway Traffic Safety Administration (NHTSA) conducts two types of crash tests: full frontal and side impact. Each is scored on a five-star scale, with fewer stars indicating a greater likelihood of serious injury. You can check the scores for all crash-tested vehicles online at www.safercars.gov.

NHTSA's frontal test is a good indication of how well a vehicle's safety belts and air bags protect the occupants in specific types of impacts. The frontal test runs vehicles into a rigid barrier at 35 mph. That simulates a head-on collision between two vehicles of similar weight, each traveling at 35 mph. Instrumented crash dummies in the two front seats record the crash forces they sustain and scores are assigned for the driver and front passenger.

NHTSA's side-impact test simulates a vehicle traveling at 17 mph being hit on the side by a 3,000-pound car traveling at 34 mph. Scores are assigned to the driver and the left-rear passenger.

2. Insurance-industry crash-test ratings
The Insurance Institute for Highway Safety (IIHS) is a safety-research group that conducts its own series of crash tests. In its frontal-offset crash, a vehicle is run at 40 mph into a deformable barrier. Instead of engaging the whole width of the car's front end, the barrier covers just the 40 percent of the car directly in front of the driver.

Using a deformable barrier simulates a car-to-car, driver's-side-to-driver's-side collision, which is a common form of fatal crash. By focusing the crash on only a portion of the car's front, this test severely stresses the car's structural integrity and its ability to protect the area around the driver without collapsing.

The IIHS scores its frontal-crash results as Good, Acceptable, Marginal, or Poor. You can find ratings for all tested vehicles at the IIHS Web site, www.hwysafety.org.

Recently, the IIHS has also begun conducting its own side-impact tests, which simulate being hit by a truck instead of NHTSA's 3,000-pound car. However, many vehicles have not yet been tested.

Both the IIHS and NHTSA crash-test results are comparable only to vehicles within the same weight class as the tested car. If vehicle weights are very dissimilar, the results could be very different.

3. Accident avoidance
A vehicle's ability to help you avoid an accident is just as important as its crashworthiness. Key factors to consider are braking and emergency handling, although acceleration, visibility, driving position, and even seat comfort (which affects driver fatigue) also play a role.

4. Air bags
By law, every new passenger vehicle comes equipped with dual front air bags. But the sophistication of the systems can vary. It's worth checking what type of air-bag systems a vehicle has, both in the front and rear.

Many upscale vehicles now have some version of a "smart" air-bag system. It uses electronic sensors to gauge several variables, which, depending on the model, include crash severity, safety-belt use, the position of the driver's seat, and the weight and/or position of an occupant in the front-passenger seat. This information is used to tailor the deployment of the vehicle's front and side air bags.

Dual-threshold and multi-stage front bags can deploy with varying force, depending on crash severity. In a lower-level collision the bags inflate with limited force. In a more severe crash, the bags inflate with more force and more quickly. Many systems withhold deployment on the passenger side if the seat is unoccupied (to save money on replacement) or if the seat is occupied by a person below a certain weight (to prevent possible injury from the bag).

Side air bags are now common for front occupants. The basic side air bag deploys from the seatback or door, and is designed to protect a person's torso. Separate side bags that protect the head are becoming increasingly available, as well. The most common design is a side-curtain bag that drops down from the headliner and covers both the front and rear windows. Consumer Reports highly recommends head-protection side air bags where they're available.

Side torso air bags are also included in the rear seats of some models, but these can pose a risk for smaller children sitting out of position in the outboard seat positions. In some models, rear side bags need to be activated by the dealer.

5. Antilock brake system (ABS)
CR's auto experts highly recommend getting an antilock brake system (ABS), which is available as standard or optional equipment on most vehicles. ABS prevents the wheels from locking up during a hard stop, something that can cause the driver to lose control of the vehicle. ABS almost always provides shorter stops, but, even more importantly, the system helps keep the vehicle straight and allows the driver to maneuver during a panic stop.

6. Rollover resistance
Taller vehicles, such as SUVs and pickups, are more likely to roll over than passenger cars. According to NHTSA, SUVs have a rollover rate that is two to three times that of passenger cars. In 2002, 61 percent of all SUV fatalities and 45 percent of pickup-truck deaths were the result of a rollover. By contrast, only 22 percent of passenger-car fatalities were because of a rollover.

A taller vehicle has a higher center of gravity, which makes it more top-heavy than one that sits lower to the ground. In a situation where a vehicle is subjected to strong sideways forces, such as in a sudden cornering maneuver, it's easier for a taller vehicle to roll over.

To give consumers a way of telling which vehicles have a higher rollover propensity than others, NHTSA has developed a five-star rating system called the Rollover Resistance Rating (RRR). Until recently, the RRR was based solely on a vehicle's "static stability factor (SSF)," which is determined from measurements of its track width and center of gravity. Because the SSF is based on measurements of a stationary vehicle rather than on a dynamic road test, the rating doesn't account for vehicles' different suspension designs, tires, or the presence of a stability-control system—any of which can make a significant difference. Beginning with the ratings for 2004 models, NHTSA now combines the SSF with a dynamic rollover test performed with moving vehicles.

The RRR is accessible online at www.safercars.gov, but you need to dig deeper than the star ratings to tell how a vehicle performed in the dynamic test. Click on the model name. Scroll down to "Rollover Details" and look under Dynamic Test. The site tells you only whether or not a vehicle tipped up in the test, but not at what speed. Currently, it also lacks data about whether rated vehicles were tested with electronic stability control, described below. We believe that vehicles that tip up in NHTSA's test have a potential stability problem and CR will not recommend them, regardless of their star rating.

7. Electronic stability control (ESC)
Electronic stability control is another safety feature that's highly recommended by CR's auto experts, particularly on SUVs. ESC is designed to help keep the vehicle under control and on its intended path during cornering, and prevent it from sliding or skidding. If a vehicle begins to go out of control, the system selectively applies brakes to one or more wheels and cuts engine power to keep the vehicle on its intended course. On SUVs, stability control can help prevent the vehicle from getting into a situation that could lead to a rollover. While electronic stability control has improved the emergency handling on the vehicles we have tested, it's not a cure-all for inherently poor handling vehicles. Its effectiveness depends on how it is programmed and how it is integrated with the vehicle. It also cannot overcome the laws of physics for out-of-control driving.

Automakers often refer to their stability-control systems by different names, so if it's not clear be sure to ask if a vehicle has electronic stability control. To make it less confusing for the consumer, the Society of Automotive Engineers has asked that all manufacturers use electronic stability control or ESC, as common terminology when referring to their stability-control systems. Consumer Reports supports this announcement, and feels it will help consumers know what they are buying.

A number of studies have been completed and all point to a substantial reduction in accidents and deaths. CR engineers feel that ESC is going to be a major safety feature that may become standard on all cars.

8. Safety-belt features
Three-point lap-and-shoulder belts provide the most protection in a crash, and more vehicles now have them in all seating positions. Many, however, still have only a lap belt in the center-rear position, which allows the upper part of the body to move forward in a crash or panic stop. The comfort of the belts is also important, because some people won't wear them if they're uncomfortable. Some vehicles, for instance, have front belts whose shoulder portion retracts into the seatback instead of the car's door pillar. Their advantage is they move with the seat when the seat is adjusted fore and aft. But they can tug down uncomfortably on the shoulder of someone with a long torso. Microsoft Word: http://www.hardwaresoftwarearticles.com/archive/index.php/f-16.html

Many vehicles include safety-belt pretensioners and force limiters, which work with the air bags to protect you in a crash. Pretensioners automatically take up the slack in the seat belt during a frontal crash, helping to restrain people securely and properly position them for the air bag. Force-limiters relax the safety-belt tension slightly following the initial impact, so they can help absorb some of a person's forward thrust. That helps prevent chest and internal injuries caused by the belt.

9. Head restraints
A car's head restraints are vital for guarding against the whiplash neck injuries that often accompany a rear-end collision. Restraints need to be tall enough to cushion the head above the top of the spine. Many cars' head restraints adjust for height. Look for those that lock in the raised position. Those that do not can be forced down in a crash, losing effectiveness. Many cars' rear restraints are too low to do much good, which Consumer Reports notes in their test reports. The IIHS Web site (www.hwysafety.org) also provides the institute's own head restraint ratings for various models.

10. Child safety
Child-safety seats save lives and should be used until a child is big enough to use the vehicle's regular safety belt. The conventional method of attaching a child seat uses the vehicle's safety belts. Often, incompatibilities between the car's seat and the child seat make a good, tight fit difficult and sometimes impossible. Help and Support: http://www.hardwaresoftwarearticles.com/archive/index.php/f-22.html

All new vehicles now have a universal system called LATCH (Lower Anchors and Tethers for Children) that is designed to make attachment easier and more secure. But the system doesn't work equally well in all vehicles. Consumer Reports has found many cars with the new attachment points sufficiently obscured that even with some of the newest child seats it's not easy to use them. CR comments on the ease of installing child seats in its test reports. But the key is to try before you buy.

Another child-safety consideration is power-window switches. Children have accidentally activated a power window while leaning out and have been killed or injured by the window closing on them. The easiest types to inadvertently trigger are horizontal rocker and toggle switches on the door's armrest, which raise the window when pushed down or to the side. Lever-type switches, which are flush with the surrounding trim and only raise the window when pulled up, are a safer design.

About the Author

Adam Fletcher is the webmaster of Hardware Software Articles http://www.hardwaresoftwarearticles.com .