Notebook
August 27th, 2014 by Jonette

small__5329194799The food catering business is a hardy one, thriving and bustling even in this time of an economic downturn. For as long as there are events with a lot of people who need to be fed, there will always be a catering business who will be there to answer that need. In conventions, conferences, meetings, business launches, and even more personal events like birthday parties, weddings, anniversaries, or even funerals, the catering business will continue to go strong.

Catering businesses also need vans and other service vehicles to go from place to place. Catering vans also contain food – while this seems obvious, there’s also the risk of the food getting overheated, contaminated, or jostled, or spoiled. For this, their service vans and vehicles will definitely need automobile insurance. This protects the business owners from significant losses, and in turn protects the business’s clients and customers from losses of a different sort.

photo credit: Telstar Logistics via photopin cc

August 20th, 2014 by Jaren

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As insurance companies tend to charge high premiums for car insurance, there are ways to lower it:

  • Low mileages reduce significantly your premium. Thus, it is recommended to use your car only for short drives.
  • Pay your insurance premiums in one installment as insurance companies charge more for monthly premiums.
  • Dont apply too much customization on your car because tweaking the stock features increases the premium.
  • Dont go beyond the speed limit. Speeding fines increase premium as insurance companies keep a record of this violation.

The Factors which Affect your Insurance Premium

Normal factors which affect insurance premium are age, location, car make, and the like. However, as there is a higher risk involved in sports cars, there is also a higher rate. Most insurance companies charge the same rate for sports car insurances even for different car makes since they have a record of the usual sports car predicaments.

June 24th, 2013 by Marie

People experience car problems and break down everyday. Car problems that can ruin your day, causes accidents or even let you spend a lot of money. That is why, all drivers would definitely want to avoid, prevent and fix these car problems and have a safe drive. To give you a heads up, here are the top 10 car problems you need to watch out for.

Flat Tire
What to do: If a flat tire occurs, safely move to the side of the road, put the vehicle in park, and put the hand brake on to ensure that the vehicle does not roll. Get a spare tire, jack, leverage pipe, and lug nut wrench out of the trunk.
Prevention: Make sure to check the tire pressure at least once a month to ensure that it is up to where it should be. You should not only check all the tires on your vehicle, but also your spare tire as well. Try to avoid large cracks, divots, or anything that is in the road that might puncture your tire while driving.

Dead Battery
What to do: If you find that your vehicle will not start, you will need to find a friend or someone that will be able to give you a jump in order to get home. You will also need to find some jumper cables.Make sure to get the hoods of the cars close together in order to reach the cables from one car to another. Do not let the vehicles touch however, because this could be a bad situation.
Prevention: To prevent batteries from going bad, you should always make sure everything in your vehicle is shut off when you get out of it. You might also want to replace your battery every few years or so.

Leaks
What to do: Finding a way to check what type of fluid is leaking might not be so hard to do if you know what types of fluids to look for. You should place an old light colored sheet or a white piece of paper under your vehicle so you can determine the color of the fluid. Make sure to notice where the leak is coming from as well. This could be a giveaway of what it is.
Prevention: Always make sure to have your fluids changed. You should have them changed every 3,500 miles or each year. You want to maintain good upkeep on your vehicle so these leaks do not happen. Of course, diagnosing them early on will help you prevent anything further from going wrong within the vehicle.

Bad Shocks
What to do: If you find that your vehicle is shaking, sagging, leaking, rattling, or perhaps it breaks then you might want to look further into the shocks. This is what holds your vehicle up and helps you not feel so much turbulence while riding over a bumpy road. You might want to have an auto mechanic look at it since they will have larger lifts for the vehicles in order to remove and replace the shocks.
Prevention: You will want to always listen and feel your vehicle for any changes. Once you notice a change in the way that it drives, you should have it checked out.

Bad Brakes
What to do: Look up what type of brakes you will need for your vehicle, and purchase them. You will want to cool the vehicle down before trying to replace the brakes.
Prevention: Always listen and feel for differences in the way your brakes react. You want to make sure you notice any differences beforehand. You should also make sure to get your brakes checked every year during the annual maintenance check up of your vehicle.

May 17th, 2013 by Marie

Recent studies show that whiplash and other back injuries claims are costing insurance companies a lot more in their auto insurance bill. The number of whiplash claims has spiralled to 550,000 a year, landing insurers with almost $3billion more cost.

Whiplash is a neck and spinal injury most commonly caused by a rear-end car collision. Generally, the driver and passengers in the vehicle that was hit from behind sustain the whiplash injury. There are almost 1500 insurance claims that are made every day and these are killing insurance companies. But the sad truth is for too long whiplash has been seen as the “fraud of choice” for insurance claims. It found that 95% of drivers say they believe unnecessary whiplash claims are behind increases in car insurance premiums, which have jumped 80% since October 2008. Research also shows that almost 400 among 1000 drivers that made their whiplash insurance claims spent their compensation on medical treatment or physiotherapy. Others used the money to pay off debts, buy luxury items such as TVs and computers (12%) or to go on holiday (9%).

So here’s my final thought for drivers, it is definitely a need to include whiplash in your auto insurances. But dont use it as a fraud to claim insurances. Be more responsible. And for insurance companies, make sure to establish a system to determine whether a driver is really suffering with Whiplash or not. More effective diagnosis of whiplash will help genuine claimants get paid out quickly and reduce the scope for fraud.

March 28th, 2013 by Jonette

medium_762982928So, despite the fact that your professional race car will more likely than not go through flame bursts, collisions, and the random road flip, you have pretty much decided you’re going to insure your baby, no matter what it takes. Okay then, here are some things you must be aware of before heading in that direction.

Bear in mind that with the higher risks your car will most likely be subjected to, the insurance for your race car will definitely be more expensive than that of a regular car, so be ready to shell out more than your regular driving buddies will on theirs.

Money is not the only requirement here. The insurance company will need a greater amount of information from you. These companies will also probably want you to take a drug test and a sanity test, and will scrutinize your driving history. With all these requirements, it’s better to either memorize your information, or just have them at hand at all times.

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