Posts Tagged ‘vacations’

Don’t Get Your Car Stolen When Driving On Your Holiday

Tuesday, March 9th, 2010

In these difficult financial times most folks need vacations more than ever. And people also want to save a lot of money if they can. One economical solution is to take the family car and drive to and from your holiday destination instead of flying.

If your plan is to drive, it may also make sense to take a number of steps to protect yourself and family from auto theft. Having some car thief steal your car or your luggage, and other items of value in your trunk could really disrupt what was supposed to be an enjoyable and fun-filled trip.

Even by taking all the numerous precautions to prevent auto theft when you travel, very determined professional car thieves can still manage to take any vehicle if they want it bad enough. Did you see the movie Gone In 60 Seconds starring Nicolas Cage? However, you can still dramatically lessen the odds of becoming a victim of auto theft to almost zero.

Almost all of these auto theft preventative measures are common sense and will cost nothing to do. So it may make a lot of sense to implement them not only when you travel by car on your holidays, but also in your every day driving.

First, to start with, you should never take for granted that you are immune from auto theft when traveling, or that your vehicle is not worth stealing.

Keep in mind that sometimes these thieves are after more than your vehicle, luggage, or any valuables that might be in your car. They may only want an older car to take a joy ride in or steal it for its parts.

They may also be after your vehicle documents for identity theft purposes, or they could be thinking of robbing your residence while you are away on vacation. Where would they get this important information? From the vehicle registration and auto insurance papers which are usually conveniently located in the glove compartment.

The best solution is to eliminate this problem by keeping these documents on your person at all times while traveling on your holidays.

The second best way to reduce this problem is to hide the documents really well in the trunk. Some police forces in cities that have a high incidence of auto thefts recommend doing this. Just remember to tell everyone who is traveling with you where these documents are squirreled away inside the trunk.

Here are some more ways you can lessen the chance of having your holidays ruined by car thieves. If you can manage to implement a number of these suggestions, you can dramatically lessen the odds of becoming another victim of auto theft when you travel.

Close all of your vehicles windows tightly and lock all the doors when you park it anywhere, even if its only for a minute or two.

A real invitation to lose your vehicle is to leave it idling while unattended. Under no circumstance should you ever do this. Don’t even think about it.

Similarly, you should not leave your vehicles keys in the ignition or hidden anywhere in car. That also includes a second set of keys. Professional car thieves can easily find any keys hidden in the usual places very quickly. Keep an extra set of keys on your person.

Don’t leave any valuables in your vehicle, even if they can not be seen from the outside of your car. If possible, take them with you.

However, if you have no choice but to leave valuables in your vehicle, at least make sure that they are locked inside your trunk. When you do this, check first and look around to make sure that nobody is watching, or better still, stop, pull over, and put them in your trunk before you arrive at your intended destination. Prying eyes can be anywhere.

When parking your vehicle in public areas, turn you front wheels either to the left or right before turning your ignition off. This will engage the steering wheel locking mechanism in the steering column which can make your car a little more difficult to steal.

By engaging the emergency brake after you have parked and turned the motor off, you may also make your vehicle harder to tow away.

For front wheel and rear wheel drive vehicles you should park them a bit differently when in underground parking. Front wheel drive cars should be parked nose in and rear wheel drive ones, nose out. Then turn your tires to the right or left. Again, this may make your auto harder to tow away.

It is always best to park in an attendant operated parking lot rather than an unattended one. If its a lot or place that has valet parking, only let the attendant have your door and ignition key. They don’t need any other keys for your vehicle.

In public places at dusk and at night, always park in a well lighted area that has a lot of pedestrian traffic. Keep in mind that most auto thieves prefer to work under the cover of darkness.

If you can, avoid parking near or next to any obstruction, such as a hedge, fence, large truck, or anything that blocks a clear view of your vehicle to vehicular and pedestrian traffic.

When you’re staying in a place that has secured, gated parking, be certain that the gate has completely closed after entering or leaving so that a thief does not sneak in to the parking area where you are staying.

If you see any suspicious activity such as someone or a group of people loitering near your vehicle you should call the police.

Here are some of the anti-theft devices that you can install for maximum protection. You may have some of these products already installed in your vehicle.

You should use a highly visible after-market steering wheel lock bar. Most car thieves will likely move on to easier prey. Other less visible after-market anti-theft products are gas pedal locks, brake pedal locks, and armored collars that fit around the steering column which protects the ignition. And for the manual shift vehicles you can also use an after-market shifter lock. These products are all effective but not as highly visible to prying eyes.

Another thing that you can do is have your mechanic install a hood lock that will prevent easy access to your vehicles battery including the security system.

A loud vehicle alarm system with a very visible alarm sticker on your windshield could be worth its weight in gold particularly when combined with a number of these other anti-theft security options.

The best vehicle protection is a passive electronic immobilizer that disables the motor when the ignition is turned off. Its not an inexpensive device to get installed but is well worth it for your peace of mind. There are more benefits you may receive by installing an electronic immobilizer in your car. A number of auto insurance companies will offer a discount on your policy if you can produce documentation that you have had one installed. You may also get more money for your vehicle if you sell it down the road.

Last, but not least, you should make sure you have enough insurance coverage on your vehicle including theft and damage before you travel on vacation.

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What Do You Get For Your Car Insurance Dollar?

Friday, February 12th, 2010

No matter how you pay for car insurance, you probably pay a pretty hefty sum of money for car insurance. While it is possible to lower the amount that you pay by shopping around for insurance, you may still wonder what all those dollar give you. In short, you get peace of mind for the dollars you will pay. The long answer may help you to better understand the final destination of your premiums.

Liability insurance is required in every state to meet state financial responsibility laws. These financial responsibility laws vary greatly and the amounts and types of insurance coverage that is requires is different in different states, however every state requires some type of personal injury and property damage coverage on your vehicle. If the coverage lapses then some states are canceling the registration or driver’s license of the person. You will be required to prove that you are covered and pay a fine or an administrative fee.

Driving without car insurance, however, can cost you much more than just a fine. If you are in an accident, you can be held financially responsible for the other person’s vehicle and medical expenses. In addition, you will likely be ticketed for driving without insurance. These expenses can far outweigh anything you might pay in insurance fees.

In addition you will have to pay to have your own vehicle repaired or replaced. In the interim time, you may have to pay for a rental vehicle to take you to and from work and fulfill other duties for which you need a vehicle. This can sometimes be several weeks. The cost you pay for the rental vehicle is often a significant amount of money.

For coverage on your vehicle in the event of vandalism, glass breakage or theft, you will need comprehensive coverage. Far more car thefts occur than we would like to think, and stolen vehicles often are not recovered without at least some damage. Many times the vehicle is driven until it is wrecked and abandoned. Other times it will be stripped and the parts will be sold.

Newer vehicles are often required to have comprehensive coverage by the loan company. If you do not have the insurance the finance company will purchase their own insurance on the vehicle that offers you no coverage, but will pay off the loan if the vehicle is damaged or stolen. This insurance is very costly and will be added to the end of your loan on the vehicle.

Comparison shopping for insurance is a great way to save money that you pay for insurance. There are many companies that offer free insurance quotes. You will find several of these companies online. For the most accurate quotes, go ahead and give your personal information. Then once you have collected three to five quotes from different companies, take time to compare each quote to find the best price for your insurance.

The price that is paid for peace of mind can often be less by comparison shopping for insurance.

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The Importance of Car Accident Witnesses

Saturday, December 12th, 2009

Anyone who has witnessed a car accident knows how traumatic the event and accident scene can be. There are often seriously damaged cars and injured people. When witnessing a car accident, one has a moral duty to report what they saw and heard to the police. A car accident witness is an essential part getting to the truth about how the accident happened and who may be liable. The testimony of a car accident witness is crucial to any litigation and accident claim.

Often a car accident witness will provide the important and critical information about what happened prior to the accident and at the time of the accident. If there is an at-fault claim from one of the drivers involved in the accident, a witness will corroborate or refute the claim.

A driver who claims no-fault will benefit from a witness who can substantiate the claim as it will help the driver receive compensation for damage and cover them for personal injury protection. If not, a driver could end up with an enormous expense for vehicle damage repair, medical expenses, and if the injured driver sues for punitive damages.

A no-fault driver, who is accused of being at-fault, needs the testimony of a witness to prove they were not at fault for the accident so they can have their claim approved and not have to pay compensation to the other driver. As well, being found not at fault will keep one’s insurance premiums from sky rocketing.

A car accident witness can help with resolving any discrepancies about the car accident. For instance, if the police arrive at the scene after the accident and write a report saying one driver caused the accident, but are mistaken, a witness who actually saw the accident happen can correct the mistake. This can save a lot of time and money regarding litigation, increasing insurance premiums, and claim compensation. As well, there are people who will try to fake an accident in order to make a claim which is known as accident fraud. A witness to the accident can debunk the accident fraudster claim.

The accident witness can provide information right after the accident happens so it is fresh and accurate. Accident witnesses provide such valuable information as how and where the car accident took place, road and weather conditions during the time that the accident took place, the behavior of the drivers involved, and even provide pictures of the accident scene. If a claim against another driver is contested, one must have the evidence to prove who caused the accident. Witnesses can provide the exact chronology of the event in order to help ensure the police and insurance companies know all the pertinent details of the accident.

The testimony of a witness is essential when investigating a car accident. If you witness an accident, make sure your memory is accurate and provide as much detail as you can so that the right conclusion regarding who is at-fault is made.

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