<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:georss='http://www.georss.org/georss' xmlns:gd='http://schemas.google.com/g/2005' xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-6346259218332550065</id><updated>2011-11-27T15:17:10.947-08:00</updated><title type='text'>Automotive Worlds</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default?max-results=100'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>12</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>100</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-3457849880997494235</id><published>2007-02-14T23:23:00.000-08:00</published><updated>2007-02-14T23:24:03.233-08:00</updated><title type='text'>Car Detailing Manuals — Tips and Tricks that Save!</title><content type='html'>&lt;b&gt;&lt;/b&gt;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.&lt;br /&gt;&lt;p&gt;&lt;br /&gt;If you do not want to pay the detail shops to  perform this work for you, buying a &lt;a href="http://www.themotorbookstore.com/automotive-detailing.html"&gt;DIY manual on  car detailing&lt;/a&gt; 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.&lt;br /&gt;&lt;br /&gt;Repair Minor Body Damage&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;Waxing and Buffing Techniques&lt;br /&gt;&lt;br /&gt;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).&lt;br /&gt;&lt;br /&gt;Interior  Preservation&lt;br /&gt;&lt;br /&gt;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!&lt;br /&gt;&lt;br /&gt;Interior Restoration&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;Engine Detailing&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;Wheel and  Tire Maintenance&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;It  Just Makes Sense&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;It just may turn out that &lt;a href="http://www.themotorbookstore.com/detailing1.html"&gt;car detailing&lt;/a&gt; will  be a perfect new hobby for you!&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;h1&gt;&lt;span style="font-size:85%;"&gt;About the Author&lt;/span&gt;&lt;/h1&gt; &lt;p&gt;&lt;a href="http://www.themotorbookstore.com/"&gt;The Motor Bookstore&lt;/a&gt; sells  repair and service manuals for cars, trucks, motorcycles, boats, farm tractors,  and much more.&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-3457849880997494235?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/3457849880997494235/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=3457849880997494235' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/3457849880997494235'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/3457849880997494235'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/car-detailing-manuals-tips-and-tricks_14.html' title='Car Detailing Manuals — Tips and Tricks that Save!'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-4069274619068063988</id><published>2007-02-14T23:22:00.000-08:00</published><updated>2007-02-14T23:23:25.250-08:00</updated><title type='text'>Car Detailing Manuals — Tips and Tricks that Save!</title><content type='html'>&lt;b&gt;&lt;/b&gt;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.&lt;br /&gt;&lt;p&gt;&lt;br /&gt;If you do not want to pay the detail shops to  perform this work for you, buying a &lt;a href="http://www.themotorbookstore.com/automotive-detailing.html"&gt;DIY manual on  car detailing&lt;/a&gt; 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.&lt;br /&gt;&lt;br /&gt;Repair Minor Body Damage&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;Waxing and Buffing Techniques&lt;br /&gt;&lt;br /&gt;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).&lt;br /&gt;&lt;br /&gt;Interior  Preservation&lt;br /&gt;&lt;br /&gt;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!&lt;br /&gt;&lt;br /&gt;Interior Restoration&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;Engine Detailing&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;Wheel and  Tire Maintenance&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;It  Just Makes Sense&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;It just may turn out that &lt;a href="http://www.themotorbookstore.com/detailing1.html"&gt;car detailing&lt;/a&gt; will  be a perfect new hobby for you!&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;h1&gt;&lt;span style="font-size:85%;"&gt;About the Author&lt;/span&gt;&lt;/h1&gt; &lt;p&gt;&lt;a href="http://www.themotorbookstore.com/"&gt;The Motor Bookstore&lt;/a&gt; sells  repair and service manuals for cars, trucks, motorcycles, boats, farm tractors,  and much more.&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-4069274619068063988?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/4069274619068063988/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=4069274619068063988' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/4069274619068063988'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/4069274619068063988'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/car-detailing-manuals-tips-and-tricks.html' title='Car Detailing Manuals — Tips and Tricks that Save!'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-7522055593083832253</id><published>2007-02-14T23:21:00.002-08:00</published><updated>2007-02-14T23:22:18.667-08:00</updated><title type='text'>Car Accident Insurance Claim Regarding Impacts And Injuries</title><content type='html'>&lt;b&gt;&lt;/b&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;#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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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!  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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!  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;#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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;#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 &amp; 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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;#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).  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;IMMEDIATE INJURIES: The whole nine yards - all of those as detailed above.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;*******************  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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”.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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: &lt;a href="http://www.autoaccidentclaims.com./" target="new"&gt;http://www.autoaccidentclaims.com.&lt;/a&gt; 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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Dan Baldyga - Author  &lt;/p&gt;&lt;p&gt;&lt;br /&gt;19 Winona Drive, West Springfield, MA 01089  &lt;/p&gt;&lt;p&gt;&lt;br /&gt;Phone: (413) 733 0127 FAX: (413) 731 8358  &lt;/p&gt;&lt;p&gt;&lt;br /&gt;Mail to: "mailto:dbpaw@attbi.com"  &lt;/p&gt;&lt;p&gt;&lt;br /&gt;AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle  Your Loss)  &lt;/p&gt;&lt;p&gt;&lt;br /&gt;Found on the internet at: "&lt;a href="http://www.autoaccidentclaims.com/" target="new"&gt;http://www.autoaccidentclaims.com&lt;/a&gt;"  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;table bgcolor="#ffffff" border="0" cellpadding="8" cellspacing="0" width="100%"&gt; &lt;p&gt; &lt;/p&gt;&lt;tbody&gt; &lt;tr&gt; &lt;td&gt; &lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;b&gt;About The Author&lt;/b&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;a href="mailto:dbpaw@attbi.com"&gt;dbpaw@attbi.com&lt;/a&gt;  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt; &lt;/tbody&gt;&lt;/table&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-7522055593083832253?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/7522055593083832253/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=7522055593083832253' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/7522055593083832253'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/7522055593083832253'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/car-accident-insurance-claim-regarding.html' title='Car Accident Insurance Claim Regarding Impacts And Injuries'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-3971926120796852024</id><published>2007-02-14T23:21:00.001-08:00</published><updated>2007-02-14T23:21:31.480-08:00</updated><title type='text'>Accident Insurance Claim Personal Injury Insights</title><content type='html'>&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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 &amp; 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!  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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).  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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!  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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!  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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)!  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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 &lt;a href="http://www.autoaccidentclaims.com/" target="new"&gt;http://www.autoaccidentclaims.com&lt;/a&gt; or visit your favorite  bookstore.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Copyright (c) 2002 by Daniel G. Baldyga. All Rights Reserved  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;table bgcolor="#ffffff" border="0" cellpadding="8" cellspacing="0" width="100%"&gt; &lt;p&gt; &lt;/p&gt;&lt;tbody&gt; &lt;tr&gt; &lt;td&gt; &lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;b&gt;About The Author&lt;/b&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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. &lt;a href="mailto:dbpaw@attbi.com"&gt;dbpaw@attbi.com&lt;/a&gt;  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt; &lt;/tbody&gt;&lt;/table&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-3971926120796852024?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/3971926120796852024/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=3971926120796852024' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/3971926120796852024'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/3971926120796852024'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/accident-insurance-claim-personal.html' title='Accident Insurance Claim Personal Injury Insights'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-4390590286232619977</id><published>2007-02-14T23:12:00.002-08:00</published><updated>2007-02-14T23:20:58.842-08:00</updated><title type='text'>Accident Factoids</title><content type='html'>&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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!  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;ul&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;li&gt;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).  &lt;p&gt; &lt;/p&gt; &lt;/li&gt;&lt;li&gt;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.  &lt;p&gt; &lt;/p&gt; &lt;/li&gt;&lt;li&gt;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.  &lt;p&gt; &lt;/p&gt; &lt;/li&gt;&lt;li&gt;In 1896 there were only four cars registered in all the United States. Two  of them collided with each other in St. Louis.  &lt;p&gt; &lt;/p&gt; &lt;/li&gt;&lt;li&gt;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.  &lt;p&gt; &lt;/p&gt; &lt;/li&gt;&lt;li&gt;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.  &lt;p&gt; &lt;/p&gt; &lt;/li&gt;&lt;li&gt;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.  &lt;/li&gt;&lt;/ul&gt; &lt;p&gt; &lt;/p&gt;&lt;p&gt;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:  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;ol&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;li&gt;Records prove that a motor vehicle accident of as little speed as 5 MPH can  produce a “whiplash-type” injury.  &lt;p&gt; &lt;/p&gt; &lt;/li&gt;&lt;li&gt;The symptoms arising from an injury sustained in a motor vehicle accident do  not necessarily present themselves immediately following an accident.  &lt;p&gt; &lt;/p&gt; &lt;/li&gt;&lt;li&gt;Medical research and clinical experience have accumulated enough information  to demonstrate that the delay of an injury symptom is the norm.  &lt;p&gt; &lt;/p&gt; &lt;/li&gt;&lt;li&gt;Studies have established that the delay of a symptom does not eliminate the  possibility of severe injury.  &lt;p&gt; &lt;/p&gt; &lt;/li&gt;&lt;li&gt;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).  &lt;/li&gt;&lt;/ol&gt; &lt;p&gt; &lt;/p&gt;&lt;p&gt;Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;DISCLAIMER: The only purpose of this article, MOTOR VEHICLE ACCIDENT FACTOIDS  has been created to help people understand the motor vehicle accident claim  process  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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 &lt;a href="http://www.autoaccidentclaims.com/" target="new"&gt;http://www.autoaccidentclaims.com&lt;/a&gt;.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;table bgcolor="#ffffff" border="0" cellpadding="8" cellspacing="0" width="100%"&gt; &lt;p&gt; &lt;/p&gt;&lt;tbody&gt; &lt;tr&gt; &lt;td&gt; &lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;b&gt;About The Author&lt;/b&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;a href="mailto:dbpaw@attbi.com"&gt;dbpaw@attbi.com&lt;/a&gt;  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt; &lt;/tbody&gt;&lt;/table&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-4390590286232619977?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/4390590286232619977/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=4390590286232619977' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/4390590286232619977'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/4390590286232619977'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/accident-factoids.html' title='Accident Factoids'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-1575559665544995638</id><published>2007-02-14T23:12:00.001-08:00</published><updated>2007-02-14T23:12:43.932-08:00</updated><title type='text'>Accident Collecting For Your Lost Wages</title><content type='html'>&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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!  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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:  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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“  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;The typical statement made at that point, by the unsuspecting claimant is,  “Hey, I understand I’m to be paid for my lost wages.”  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Strong answers, “You collected $200.00 a week from your Accident and Health  Policy didn’t you?”  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;“Yeah, but my average weekly income last year was $275.00 a week.”  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;“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.”  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;“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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;GROSS PAY VS. NET PAY: You should collect the "gross" wage's you lost, not  the "net".  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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).  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Because the following five points give value to your claim be ready to talk  with Smart about and, wherever possible, prove:  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;(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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;If any of the above five points are true than your claim is worth more money!   &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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"!  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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 &lt;a href="http://www.autoaccidentclaims.com/" target="new"&gt;http://www.autoaccidentclaims.com&lt;/a&gt; or visit your favorite  bookstore.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Copyright (c) 2003 by Daniel G. Baldyga All Rights Reserved  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;table bgcolor="#ffffff" border="0" cellpadding="8" cellspacing="0" width="100%"&gt; &lt;p&gt; &lt;/p&gt;&lt;tbody&gt; &lt;tr&gt; &lt;td&gt; &lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;b&gt;About The Author&lt;/b&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;a href="mailto:dbpaw@attbi.com"&gt;dbpaw@attbi.com&lt;/a&gt;  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt; &lt;/tbody&gt;&lt;/table&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-1575559665544995638?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/1575559665544995638/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=1575559665544995638' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/1575559665544995638'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/1575559665544995638'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/accident-collecting-for-your-lost-wages.html' title='Accident Collecting For Your Lost Wages'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-2495284028849358753</id><published>2007-02-14T23:07:00.000-08:00</published><updated>2007-02-14T23:11:09.004-08:00</updated><title type='text'>Audi 6, Named As the World Car of the Year, Offers World Class Parts at Partstrain</title><content type='html'>&lt;b&gt;&lt;/b&gt;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.&lt;br /&gt;&lt;p&gt;&lt;br /&gt;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.&lt;br /&gt;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.&lt;br /&gt;"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."&lt;br /&gt;&lt;br /&gt;"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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;h1&gt;&lt;span style="font-size:85%;"&gt;About the Author&lt;/span&gt;&lt;/h1&gt; &lt;p&gt;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.  &lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-2495284028849358753?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/2495284028849358753/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=2495284028849358753' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/2495284028849358753'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/2495284028849358753'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/audi-6-named-as-world-car-of-year.html' title='Audi 6, Named As the World Car of the Year, Offers World Class Parts at Partstrain'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-1752379005890604506</id><published>2007-02-14T23:06:00.000-08:00</published><updated>2007-02-14T23:07:01.411-08:00</updated><title type='text'>2006 Honda Civic Si: Automotive Innovation at its Best, Complemented with Honda Parts from Parts Train</title><content type='html'>&lt;b&gt;&lt;/b&gt;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.&lt;br /&gt;&lt;p&gt;&lt;br /&gt;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.&lt;br /&gt;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.&lt;br /&gt;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."&lt;br /&gt;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.&lt;br /&gt;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.&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;h1&gt;&lt;span style="font-size:85%;"&gt;About the Author&lt;/span&gt;&lt;/h1&gt; &lt;p&gt;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.&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-1752379005890604506?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/1752379005890604506/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=1752379005890604506' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/1752379005890604506'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/1752379005890604506'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/2006-honda-civic-si-automotive.html' title='2006 Honda Civic Si: Automotive Innovation at its Best, Complemented with Honda Parts from Parts Train'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-2824337258929893696</id><published>2007-02-14T23:05:00.001-08:00</published><updated>2007-02-14T23:05:58.519-08:00</updated><title type='text'>2005 Ford Five Hundred Complemented with Top Notch Parts for Parts Train</title><content type='html'>&lt;b&gt;&lt;/b&gt;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&lt;br /&gt;&lt;p&gt;&lt;br /&gt;"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.&lt;br /&gt;&lt;br /&gt;It's a 4-door  sedan with SUV and crossover advantages, including cargo capability,  versatility, "command" seating and available all-wheel drive.&lt;br /&gt;&lt;br /&gt;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).&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;Only a few car parts manufacturers can match the quality that &lt;a href="http://www.partstrain.com/" target="_blank'class='navigation'"&gt;&lt;u&gt;Parts  Train&lt;/u&gt;&lt;/a&gt;has for Ford parts and the company boasts of an impressive array of  Ford replacement and &lt;a href="http://www.partstrain.com/ShopByVehicle/FORD" target="_blank'class='navigation'"&gt;Ford car parts&lt;/a&gt;. 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 &lt;a href="http://www.partstrain.com/ShopByVehicle/FORD" target="_blank'class='navigation'"&gt;http://www.partstrain.com/ShopByVehicle/FORD&lt;/a&gt;  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.&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;h1&gt;&lt;span style="font-size:85%;"&gt;About the Author&lt;/span&gt;&lt;/h1&gt; &lt;p&gt;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.  &lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-2824337258929893696?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/2824337258929893696/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=2824337258929893696' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/2824337258929893696'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/2824337258929893696'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/2005-ford-five-hundred-complemented.html' title='2005 Ford Five Hundred Complemented with Top Notch Parts for Parts Train'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-4780565203421169945</id><published>2007-02-14T23:02:00.000-08:00</published><updated>2007-02-14T23:05:05.528-08:00</updated><title type='text'>18 Tips for Saving Money on Gasoline</title><content type='html'>&lt;b&gt;&lt;/b&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;1. Keep your car tuned up. Cars in poor running condition use more gasoline.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;2. Plan trips well to avoid unnecessary driving.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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!  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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).  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;5. Check your tire pressure. Over-inflated tires can actually reduce your  fuel efficiency, so don't overfill.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;6. If at all possible, change your work start time to avoid gridlock. Stop  and go traffic hurts your gas mileage.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;10. Don't travel at fast speeds in low gears unless you need the compression  to slow down.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;11. Try to drive the speed limit.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;14. Revving the engine needlessly wastes gas. There is no need to rev before  you turn your vehicle off.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;15. If at all possible, try to arrange car pools with co-workers to share the  cost of commuting to work.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;16. Walk, bike or run to your intended location whenever possible.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;--  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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 &lt;a href="mailto:fisher@thriftyfun.com"&gt;fisher@thriftyfun.com&lt;/a&gt;  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;table bgcolor="#ffffff" border="0" cellpadding="8" cellspacing="0" width="100%"&gt; &lt;p&gt; &lt;/p&gt;&lt;tbody&gt; &lt;tr&gt; &lt;td&gt; &lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;b&gt;About The Author&lt;/b&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;a href="http://www.thriftyfun.com/" target="new"&gt;http://www.thriftyfun.com&lt;/a&gt;  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt; &lt;/tbody&gt;&lt;/table&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-4780565203421169945?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/4780565203421169945/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=4780565203421169945' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/4780565203421169945'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/4780565203421169945'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/18-tips-for-saving-money-on-gasoline.html' title='18 Tips for Saving Money on Gasoline'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-7361451897332444084</id><published>2007-02-14T22:58:00.000-08:00</published><updated>2007-02-14T23:01:34.561-08:00</updated><title type='text'>15 Ways to Lower Your Car Insurance Quote</title><content type='html'>&lt;b&gt;&lt;/b&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;1. Shop around  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;2. Buy a lower group car  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;3. Consider Third Party Only cover  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;4. Maintain a good credit rating  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;5. Buy on the web  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;6. Have a higher voluntary excess  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;7. Reduce your annual mileage  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Get a cheap UK car insurance quote from &lt;a href="http://www.acceptdirect.co.uk/" target="new"&gt;http://www.acceptdirect.co.uk&lt;/a&gt;  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;8. Keep a clean driving record  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;9. Keep claim free  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;10. Be realistic about the value of your car  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.   &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;11. Remove unnecessary named drivers  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;12. Improve your car security  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;13. Take an advanced driving test  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;14. Pay your premium in one go  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;15. Get married  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;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.  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Copyright © 2004 Accept Direct Limited  &lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;a href="http://www.acceptdirect.co.uk/" target="new"&gt;http://www.acceptdirect.co.uk&lt;/a&gt;  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;table bgcolor="#ffffff" border="0" cellpadding="8" cellspacing="0" width="100%"&gt; &lt;p&gt; &lt;/p&gt;&lt;tbody&gt; &lt;tr&gt; &lt;td&gt; &lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;b&gt;About The Author&lt;/b&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct sell low cost  UK car insurance through their website &lt;a href="http://www.acceptdirect.co.uk/" target="new"&gt;http://www.acceptdirect.co.uk&lt;/a&gt;  &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt; &lt;/tbody&gt;&lt;/table&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-7361451897332444084?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/7361451897332444084/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=7361451897332444084' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/7361451897332444084'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/7361451897332444084'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/15-ways-to-lower-your-car-insurance.html' title='15 Ways to Lower Your Car Insurance Quote'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-6346259218332550065.post-5234354369776112103</id><published>2007-02-14T22:55:00.000-08:00</published><updated>2007-02-14T22:57:54.107-08:00</updated><title type='text'>10 Safety Checks to Make Before You Buy</title><content type='html'>&lt;b&gt;&lt;/b&gt;From crash tests to child seats, here's what to look for when comparing  vehicle safety&lt;br /&gt;&lt;p&gt;&lt;br /&gt;When choosing a new car, consider government  crash-test ratings, as well as features like head restraints, electronic  stability control, and rollover resistance.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;1. Government  crash-test ratings&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;2.  Insurance-industry crash-test ratings&lt;br /&gt;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. &lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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. &lt;br /&gt;&lt;br /&gt;3. Accident avoidance&lt;br /&gt;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. &lt;br /&gt;&lt;br /&gt;4. Air bags&lt;br /&gt;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. &lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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).&lt;br /&gt;&lt;br /&gt;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. &lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;5. Antilock brake system (ABS)&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;6. Rollover resistance&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;7. Electronic stability control (ESC)&lt;br /&gt;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. &lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;8. Safety-belt features&lt;br /&gt;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&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;9. Head restraints&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;10. Child safety&lt;br /&gt;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&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;br /&gt;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.&lt;br /&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;h1&gt;&lt;span style="font-size:85%;"&gt;About the Author&lt;/span&gt;&lt;/h1&gt; &lt;p&gt;Adam Fletcher is the webmaster of Hardware Software Articles  &lt;a href="http://www.hardwaresoftwarearticles.com"&gt;http://www.hardwaresoftwarearticles.com&lt;/a&gt; .&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6346259218332550065-5234354369776112103?l=automotive-world-sites.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://automotive-world-sites.blogspot.com/feeds/5234354369776112103/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=6346259218332550065&amp;postID=5234354369776112103' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/5234354369776112103'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/6346259218332550065/posts/default/5234354369776112103'/><link rel='alternate' type='text/html' href='http://automotive-world-sites.blogspot.com/2007/02/10-safety-checks-to-make-before-you-buy.html' title='10 Safety Checks to Make Before You Buy'/><author><name>Christina</name><uri>http://www.blogger.com/profile/07051416570994867151</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry></feed>
