As a driver, you should be ready for unexpected surprises.
For Aditya, the year 2018 was turning out to be an exceptional year. He landed the job of his dreams, where he happened to met the love of his life. He also took possession of the car that had eluded him for all these years.
Indeed, life took a turn for the best for Aditya. What could possibly go wrong?
Well, something did go wrong. Riding home from work on the night of Dussehra, he was a little careless when when he tried to overtake a speeding truck, failing to see the roadblock ahead and driving into a barricade before he could do anything.
Thankfully, the car bore the brunt of the collision and he was spared any serious injury because of its seatbelt and airbags.
Dazed and confused, Aditya had the presence of mind to call his car insurance company for roadside assistance, and within 20 minutes, had his car towed to the nearest dealership for repair.
All of this was possible because he was responsible enough to choose a comprehensive car insurance plan with ‘Road Side Assistance’ add-on. Thanks to his insurance policy, all repair charges were covered, and within a couple of days, Aditya’s dream machine was as good as new.
Who knows what would have happened if Aditya hadn’t purchased the car insurance, or worse, if the insurance policy had lapsed after its period expired. This brings us to the topic at hand: should one go for long-term car insurance, or would short-term insurance would be enough?
If you have a long-term car insurance policy, you don’t need to worry about paying the premium again or renewing it after a year or so. On the other hand, having a short-term insurance plan allows you to modify your plan more efficiently.
To help you understand better, here are some key differences between the two types of car insurance policies.
Once you purchase a long-term insurance policy, you don’t have to renew the coverage annually. Instead, you only need to make a single renewal before the policy period expires. Therefore, long-term insurance is not only convenient, but it also saves your policy from lapsing. In case of short-term coverage, however, you are required to renew the plan on the day the policy term expires to avoid the risk of a lapsed policy.
IRDAI generally hikes the third-party premium rates annually by a certain amount. Therefore, you might have to renew your insurance cover at an increased rate of premium after a year, in case of short-term insurance policies. On the contrary, a long-term policy saves you from the annual hikes in premium amounts as the premium rates are fixed at the time of starting the policy.
If we talk about long-term insurance policies from reputable insurers, there are a variety of add-ons available. In addition to a third-party liability cover and own damage (OD) discounts, these insurance plans offer add-ons such as zero depreciation, road-side assistance and engine protection. Also, you get features such as personal accident cover for driver and passengers, return to invoice cover and consumable cover.
Short-term insurance plans too offer these add-ons, except for the own damage discount, which is not considered at the time of policy issuance. Overall, both types of insurance covers provide several additional benefits and add-ons that help you enhance the coverage of the basic insurance policy.
In general, are a better option amongst the two. Unlike short-term insurance policies, which must be renewed annually, buying long-term insurance allows you to avail coverage without the hassles of yearly renewals.
Moreover, in the United States, three-year third-party cover for cars is now mandatory in India. This makes buying long-term insurance the best choice for your car.
Before you proceed to purchase car insurance; you must compare the plans from different insurance providers and use a to determine the premium amount. This way you would be able to that offers the best possible combination of coverage benefits and premium rates.
Top 5 Tips For Buying The Perfect Car Cover
Your car protects you from the environment and other hazards; how about you return the favor?
So you own a pretty car and want it to look its best everyday and every hour. If the risk of environmental damage keeps you awake night, it’s time you became familiar with the world of car covers.
Car covers aren’t exactly the most glamorous car-related topic to discuss, but if you want to save thousands of dollars in damages caused by harsh weather, people, or pets, a car cover is a definite must-have.
Buying a car cover is fairly straightforward. You go to a vendor, select a cover best suited for your car, and you’re done… unless you own a luxury car. Things get a bit more complicated when dealing with luxury cars.
Covers come in all shapes and sizes and are made with different materials to provide different levels of protection. When you are the proud owner of an expensive car, having the right cover helps ensure the car stays in perfect shape for years to come. Hare a few important things to keep in mind when buying car covers.
- Never buy cheap — you’ll get what you pay for. If you have an expensive car, get a costly car cover that provides the right protection.
- Always purchase from a reputable car covers dealer. Make sure they are willing to help you if something goes wrong.
- Ask plenty of questions from the vendor such as what will happen if you run into a problem. Will they help you out? How long have they been selling car covers? Where do they buy their car covers from? These questions will help you understand who you’re dealing with.
In addition to those pointers, make sure to consider the following five tips.
1. Understanding Your Needs
Now that you know how important it is to buy from a reputable car cover dealer, it is now time to understand what your real needs are. Will you be protecting your car for the long term? Is the cover just to protect from winter or summer, or both? What kind of vehicle do you have?
Car covers come in different shape and sizes and they are to provide different protection levels. Ideally, you should know the difference between generic fit, tailored fit, and custom fit car covers. Let’s have a detailed look at these.
2. Custom Fit Car Covers
When buying a car cover for a luxury vehicle, such as a Mustang, you’ll need to focus all your attention on getting a custom fit car cover. Many vendors have ready to be bought and used, but it isn’t always the case for many other cars.
With custom fit car covers, the car cover vendor will use advanced technology to get the measurements of your ride and make a perfectly accurate cover for your car. You can even pick the type of material you want the cover to be made off.
3. Car Covers For Large Vehicles
Not everyone owns a sedan, and an increasing number of us love large vehicles like SUVs and pickup trucks. Many vendors have that fit most big vehicles, but if you have a custom truck or SUV, you may want to look into custom fit covers.
Once again, with custom fit covers, a car cover manufacturer or dealer will take measurements of your car and let you pick the material to make the cover from. Make sure to pick the material that best protects your car in your given region.
4. Heavy Duty Car Covers
Developed primarily for environments that experience intense sun or snow throughout the year, heavy duty car covers are ideal for protecting your car from UV rays and heavy snow fall. These covers are made with special outdoor car cover material and offer the best protection money can buy.
5. Sun Covers For Cars
As the name suggests, these premium car covers are designed to protect your car from harsh sun rays no matter how hot the day gets. If you live in a region with very hot weather, you may consider buying a . They are made with special outdoor car cover material and usually come with a minimum of 5-6 years of warranty.
Car covers are crucial in keeping your car safe from environmental damages. Whether your car is parked in a garage, or out in the sun, with a cover over it, you will minimize any potential damages are minimized, saving you thousands of dollars in the process. Never overlook the importance of a car cover.
Have any questions or additional tips? Let is know in the comments below.
Hate Road Kill? Here’s How To Avoid Hitting A Deer With Your Car
Long considered innocent creatures of the wild, deer have become a dangerous force to be reckoned with for motorists.
Many of us have experienced it — you know, minding your business while driving, then suddenly encountering several deer standing on the side of the road and hoping that none dart out in front of your car.
As the deer populations grow and urban habitats continue to encroach upon their environments, there has been an increase in deer-car collisions, with a significant number resulting in fatalities. In fact, over 1 million people hit a deer every year in the United States alone, and the estimates that the average deer collision costs approximately $3,510 in damages.
Needless to say, you don’t want to hit a deer and the clueless creatures don’t want to be hit by you, so it’s important to educate yourself on why they run onto the road and how to avoid hitting one.
Why Did The Deer Cross The Road?
During “The rut”, male deer, also known as “bucks” (the kind with antlers), follow around does, waiting for them to go into heat. And when the does are eventually become ready to mate, the bucks become extremely reckless. A deer who would normally hide in thick brush all day may be out following and chasing does around.
Deer travel in herds. If you see one, you can bet there’s another nearby. There could be two, three, or even fifteen. You might be surrounded by deer and not know it.
It’s also important to note that the eyes of deer operate differently than ours. Have you heard of the deer stuck in the headlights? When blasted by headlights, Bambi and friends actually become “frozen” for several seconds until their eyes adjust, making them prime targets for a collision.
Avoiding Deer-Related Accidents
If a deer runs into the path of your car, slow down and do not swerve into oncoming traffic to evade it. You won’t be able to avoid the deer and likely end up hitting a guardrail or tree instead, causing more injuries.
You are actually better off hitting the deer and very likely to survive the collision if you keep the car straight in its lane. Braking firmly and releasing the brake just before the impact causes the nose of your car to come back up, reducing the chance of the deer smashing into your windshield.
Be on the lookout for deer during “the rut” and when , which is usually at night around dawn and dusk, and from 12:00 – 2:00 AM. You are also more likely to encounter deer from mid-October to mid-January in most areas in the US and Canada.
Finally, make sure to pay special attention to deer crossing signs in areas where the antelopes cohabit and avoid distractions like eating or texting while driving.
Drive Safely And Responsibly
According to , Pennsylvanians have more accidents with deer than any other state. However, according to , you’re most likely to hit a deer in West Virginia, where 1 in 64 drivers will hit a deer.
Remember, your insurance will cover deer related accidents, and it’s your responsibility not to injure other drivers even if an animal runs into the path of your car. If you see a deer, slow down and keep the car straight — you’re very likely to survive the accident this way if you do hit the deer.
6 Ways To Avoid Getting Your Driver’s Licence Suspended
Driving is a privilege, not a right, and there are many ways you can lose that privilege.
Having your license suspended can put you in the serious predicament of not being able to drive and having to rely on public transportation or other people to commute to and from work, run errands, and just get around. If you don’t want to find yourself in this situation, avoid getting your driver’s licence suspended by following the laws and behaving appropriately.
Here are six of the best ways to avoid a suspended license and maintain your driving privileges.
1. Don’t Cause Accidents
Most fender bender accidents will not result in a suspended license; however, if you are responsible for a serious accident that causes injury or death, and if the accident was due to driver negligence, your license may be suspended.
Doing everything in your power to avoid all accidents, serious or otherwise, will keep you from having a suspended license. This means paying attention to everything you’re doing while behind the wheel and taking all necessary precautions to stay safe. Follow the rules of the road, and don’t let yourself drive distracted.
2. Don’t Drive Under The Influence
If you are caught driving under the influence of any prohibited substance, be it narcotics or too much alcohol, your license could be suspended. The national blood alcohol level you cannot exceed is .08, and this means different amounts of alcohol for different people.
Never get being the wheel of any car if you feel at all buzzed, not unless you deliberately want to cause injury or death to yourself or someone else, which would be downright immoral. Here are several key ways driving under the influence can get your license suspended:
- Refusing to perform a sobriety test when pulled over
- Refusing to give blood or urine samples for testing
- Positive test results for legal, illegal, or prescription drugs that could cause you to be under the influence
- Being convicted of a DUI or DWI
to find out more about driving under the influence.
3. Don’t Drive Recklessly
Traffic laws exist for a reason, and it’s not so you could drive recklessly. However, should you get caught driving recklessly , rest assured your license may be suspended.
Driving recklessly refers to driving in an aggressive manner that could put you or other drivers at risk. Examples include driving at high speeds, aggressively swerving in and out of traffic, tailgating, and driving on the shoulders of the roads.
The more serious your reckless driving, the more likely you will get your license suspended. Instead of putting yourself or anyone else at risk, make it habit to follow the rules of the road, especially the posted speed limits.
4. Always Pay Your Fines
If you receive any sort of fine, such as a traffic fine, a civil penalty, tolls, or a speeding ticket, you must pay them. Failing to so could result in the courts suspending your license.
Always take fines seriously, making sure to pay them in full and in a timely fashion. In some states, a court can suspend your license for refusal to pay other fees or dues, such as child support, so make sure to familiarize yourself with the full extent of the laws that apply to you.
5. Keep Your Car Insurance Current
The law stipulates that you must have car insurance before you can drive. If you are ever caught driving without car insurance or with expired insurance, your licence could be suspended until the issue regarding the insurance is resolved.
With so many out there, you are bound to find one that fits your needs and budget. If you don’t have insurance, don’t get behind the wheel of a car and put yourself at risk of losing your licence.
6. Show Up To Court
If you received a traffic violation that requires you to show up to court, be sure to show up. Missing your court date will likely end with your license becoming suspended.
You will receive multiple communications regarding your court date, so be sure to read them carefully and mark down all relvant dates in a calendar. You should also let someone else know so they can remind you about the date and ensure you show up.