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9 Tips for Snowmobile Safety

Snowmobiling is a great recreation for the winter sports enthusiast. Leave those boring television shows at home and reach for the great outdoors with abandon. The excitement of racing through the countryside can however lead to accidents if you are not careful. The following tips will help you survive to race another day.

  1. Avoid areas with very shallow snow cover, this can lead to some nasty surprises.
  2. When traveling downhill make sure you pump the brakes to avoid the risk of your brakes locking up. Some large hills will cause the brakes to get very hot if you stay on the brake too long.
  3. Pay special attention if you are riding in an area with avalanche potential. The sound and vibrations can be enough to trigger a pregnant snowbank.
  4. Never ride when using alcohol. This can be an invitation to disaster. The alcohol not only makes you more likely to wreck, it also increases the risk of hypothermia. Your body will lose heat faster because alcohol dilates the capillaries close to your skin.
  5. Never ride on frozen lakes or ponds. This may seem obvious, however there are still accidents every year due to this dangerous behavior.
  6. Be aware of hidden obstacles when riding. Among the obstacles are chains or ropes that are strung across some paths which can be deadly at high speeds.
  7. Be sure to notify a friend of where you are going if you are snowmobiling alone. Small injuries in the wilderness and cold weather can lead to disaster if alone. A broken leg in a snowmobile accident could leave you incapable of reaching help before hypothermia sets in.
  8. Wear reflective clothing. This is particularly important if you are going to be out at dusk or nighttime.
  9. Be sure that you carry adequate emergency equipment with you, particularly if you are going to be alone or are going into a wilderness area. This includes a good emergency first-aid kit with signal flares, blanket (mylar), lighter and if possible a gps unit.

Crash Tests: IIHS vs NHTSA Ratings

 

When trying to find the safest car for your families there are two organizations whose tests matter. The NHTSA (National Highway Traffic Safety Administration), and the IIHS (Insurance Institute for Highway Safety.) Both groups were formed after the publication of the book “Unsafe at Any Speed” which raised concern across America as to the safety of their vehicles. Although the companies were formed in the 1960’s they did not perform their first crash test until 1978 for the NHTSA and 1995 for the IIHS.

Both companies now perform front and side crash test ratings for consumers, although both sets of test vary by organization. Additionally the NHTSA offers a roller-over crash test which is well known in the SUV community. The IIHS also tests seat and head restraints in rear crashes, as well as “fender benders.”

The company select vehicles to test based off the same relative standards. They evaluate what cars are popular in the market at the present time, as well as vehicles that have been modified from their previous structures, and body styles. This means that although most vehicles of the current model year are tested by the organizations, some are not.

As many times as consumers are made aware of their car’s “crash test rating”, many are not aware of what that specifically means. To understand the level of stars your car received, you must understand how the scores are calculated. One main difference between the two frontal crash tests is that the NHTSA crashes the vehicle head on at a fixed 35 mph. The IIHS however conducts the test at 40 mph on only one side of the front of the vehicle.

Another difference is between the terms of familiarity to the consumer. The stars rating which most advertisements refer to is the system used by the NHTSA. The stars are determined by the percentage chance for injury. Also these ranges fluctuate depending on the crash test, for instance 5 stars in a frontal test means there is a 10 percent or less chance of injury, whereas for the side impact test it symbolizes 5 percent of less chance of injury. The IIHS though uses terms for ratings including the best performance as good, and the worst as poor.

With these differences it is important to consider both testing organizations before purchasing your vehicle and to know exactly what their words and stars mean. With this knowledge it is possible to find a safe vehicle for your family.

Customizations Come at A Cost

 

When adding a vehicle to an insurance policy or purchasing insurance for the first time, you must disclose any customization to your vehicle for underwriting purposes. It will also help you recoup some money for any possession that could potentially be stolen or damaged. Full disclosure upfront is always necessary to ensure you receive the maximum payout for any claims covered by your insurance policy. In addition keeping good records, taking pictures and keeping the insurance up to date on any changes will all help to make any future claim processing go more smoothly.

Keep Record

Having a receipt of any money paid for customizations is highly recommended by the insurance company. In the event of a claim the insurance company will want to know just how much you paid for the modification at hand, however; this does not mean you will get the full purchase price. Just keep good records and have a receipt available upon request.

Take Pictures

By having a picture of any customization, you will have something to accompany the receipt as proof of any customizations done to the vehicle. The picture will also act as a comparison for the damage sustained to the vehicle or covered article. When filing a claim for damage or theft of your property; most insurance companies will require a police report as well.

Report Changes

Not all modification to a vehicle needs to be reported and stipulations as to what you need to report, vary with every insurance company. As a general rule, notify the insurance company immediately, even if you will not be compensated in the event of a claim. This may seem inconvenient, however; it will only benefit you in the long run.

Adding modifications to a vehicle, not only enhances the appearance, but may also have a huge impact on your auto insurance premium. By fully disclosing any and all changes or customizations to your insurance company, you will help to ensure a timely payout in the event of a loss. Keeping good records, taking pictures and reporting any changes will all help to make the claims processing run more smoothly if the need arises.

How to Avoid Purchasing a Flood-Damaged Car

A car that has been flooded is typically a salvaged title, which means it's worth much less should your insurance company need to repair it after an accident.  The problem is, when you are buying from another person, they are not legally require (in most states) to tell you if it has a salvaged title, so it makes sense when you're car shopping, to look for clues.

There are several ways to avoid purchasing flood-damaged cars. The first thing to do is to obtain the vehicle’s history report. All that is needed is the car’s VIN (vehicle identification number) which is normally located on the dashboard or at the bottom of the windshield on the driver side. The VIN number is also located on the title of the car. Carfax is one of the most popular and best ways to obtain valuable information on a vehicle.

Another great way to tell if a car has been damaged is to examine the car’s exterior and interior. The exterior will show signs of water damage such as the headlights and taillights would have water inside of them or will appear foggy. Also if there is rust, mud, dirt, flaking metal or water under the hood, the undercarriage or inside the wheel well, it is very likely the car was in a flood. 

The interior of the car will have a stale musty smell if it has been under water. The carpet, upholstery and floor mats inside of a car that has been in a flood will have a strong musty odor. Also if the car has a heavy smell of cleaning solution or air fresheners that may be a sign that the seller is trying to cover up those musty mildew smells.

Other things to look for in the interior include large brown water stains or rings in the carpet or upholstery. Also if the upholstery is mismatched or brand new in a used car that could be a warning sign that it has been replaced or removed. Other signs of flood damage include mud and/or rust under the seats, in the glove box, in the dashboard or in the trunk. 

Another thing to check is the car’s engine or electrical systems to see if they work properly such as turning on the windshield wipers, turn signals, air-conditioner and the radio. It is also a good idea to check these features while taking the car for a test drive. 

If any of these signs are suspected, it is highly recommended that a certified mechanic make a complete inspection of the car before a purchase is made.

Is Your Car Expensive to Insure?

Did you know that some cars are more expensive to insure then other cars? It's true, the rate you pay for insurance is not only based on your driving record it is also based on what type of vehicle you drive. This is a handy piece of information when you are out shopping for a new vehicle. 

When you are shopping for a vehicle you'll want to keep in mind how much insurance is going to cost. In order to keep your insurance rate low you'll want to purchase a vehicle that is big enough to accommodate you and provide protection but not too big that it will cause excessive damage if you are in an accident. 

Here are a list of five of the cheapest vehicles to insure. This list consists of; Saturn Ion, Dodge Caravan, Mazda 3, Toyota Camry and Honda Accord DX. These vehicles made the list because they are safe vehicles that also when in an accident don't do a lot of damage. This means that it won't cost your insurance company a lot of money to repair your vehicle. 

If your vehicle didn't make the inexpensive list then maybe it's down here on the most expensive vehicles to insure. This list is made up of; Mercedes-Benz SL Class, Cadillac Escalade, Land Rover Range Rover, Hummer H2 and Nissan GT-R. These vehicles made the list because of a few reasons: they are more expensive and also because when in an accident more damage is done which in turn costs your insurance company more money to repair your vehicle. 

If you want to keep your insurance on the affordable side then keep these tips in mind. When you are shopping for a vehicle remember that family cars are cheaper to insure. Minivans and family cars have a lower rate because the people who drive them are usually safer drivers. Domestic cars are also cheaper to insure. The reasoning behind this is because it is usually cheaper and easier to find parts to repair a domestic vehicle as opposed to a foreign model. 

There are so many options out there for auto insurance and if you don't want to pay an arm and a leg then keep this information in mind. Especially in this day and age we want to keep our money in our pockets instead of spending it all on bills.

Safety Tips for SUV Drivers

If a person is switching from a car to a sport utility vehicle (SUV), it is essential that they know the proper practices to ensure their safety and that of other drivers. Much of the knowledge is common sense but no less crucial.

  1. For instance, SUVs need a larger area to brake, particularly on highways or freeways and on slippery terrain. Without employing four-wheel drive, SUVs have a higher chance of skidding and, in that, rolling. Regardless of vehicle, it is important for every driver to remain aware.
  2. When a driver who is accustomed to small cars gets behind the wheel of an SUV, they may feel invincible. It is important to remember that no driver is impenetrable and the larger vehicle may actually make them more vulnerable. Maneuvering a larger vehicle into small areas can be tricky, especially when a person is used to driving smaller cars. The best policy to follow when a person is unsure about space constraints is to wait until they are certain.
  3. As with any vehicle, it is important to drive at a reasonable speed when faced with weather conditions such as fog, snow, or ice. A speeding SUV can cause a great deal of damage not only to itself and its passengers, but to other drivers and their vehicles. Before driving an SUV, it is a good idea to find out if it has antilock breaks. In the instance that it does start to slide, the brake should be held firmly rather than pumped.
  4. If possible, it is recommended that a person practice driving in a secluded area in all the elements that they typically face. For instance, if they live in a place with a lot of ice and have never driven an SUV, they may want to prepare for driving in this weather by doing so in an empty parking lot first. Though it may feel silly, it will be worth it if this method prevents a car accident. Any of the above approaches to driving an SUV are bound to add to a person’s comfort and safety on the road.

Testing A Repair And Verifying That Quality Workmanship Has Been Preformed

In today's complex automotive industry it can be difficult to test the validity of a repair that has been made. In order to judge the quality of the workmanship, one must have an understanding of a step by step technical process that is recommended to complete the repair. This information is often found in dealer supplied work orders, and can also be obtained by referencing a shop manual. Shop manuals are often published by auto manufactures and by companies such as Haynes and Chilton. In the addition to written step by step procedures one must be familiar with common shop practices. Having this both "book smarts" as well as "hands on experience" will allow a person to make an accurate determination as to weather a repair has been performed to acceptable specifications. It is important to note that repair procedures and practices can change. This is due to the fact that many replacement auto parts are often upgraded or changed in order to perform to modern standards. Also new tools are often introduced to the industry, which can change or ease the process of removing and installing replacement parts.

In today's repair industry it is not as simple as "fixed" or "still broken". In order to comprehend this you must familiarize yourself with the two ways that a mechanic diagnosis a problem that has been brought to his attention. In early model cars a mechanic would go through a process of elimination. By doing this in a systematic or checklist style fashion the mechanic would be able to pin-point the problem, and then he would move onto the steps that he would need to complete in order to repair or rectify the problem.

Due to the amount of electronic devices in modern vehicles the process is now done with an onboard computer that is built into the vehicle. This is often referred to as an OBD2 or similar device that allows a mechanic to read symptoms and problems that a vehicle has stored into its memory. These stored problems are often referred to as codes. The mechanic must use his own process of elimination in conjunction with information provided by the vehicles computer in order to determine what step needs to be taken in order to repair or rectify the problem.

Often times a vehicle will receive a new part or have a repair preformed only to find out that the computer stores another code, thus leading to another repair. This is usually due to the fact that an onboard computer cannot predict what effect the previous failing part has on the other components in the vehicle. An example of this would be if a car has a faulty oxygen sensor that is replaced, the vehicles computer cannot predict that the car ran "rich or dirty" due to the faulty part, and as a result caused a clogged catalytic converter. This is a common example of a computer not being able to predict the "cause and effect" of a previous part that has been replaced.

As a result of this many customers question the quality of work preformed on their vehicle. Many believe that their car was not repaired correctly if it has to go back and have additional repairs made. Usually it is the customers lack of understanding this complex process that that leads them to believe it was poor workmanship. This has lead to a fierce debate regarding how helpful onboard diagnostics actually are.

In conclusion, There is several ways for you to tell if quality work has not been preformed. If nothing has changed and the vehicle still displays the same symptoms it is not repaired. If the vehicle works properly, but within a very short period of operation time displays the same symptoms the problem may have been repaired but needs to have other problems addressed. If the repair in question fails due to improper installation, then the repair quality was preformed poorly.

The Secret History of the Car Your About to Buy

Every used car has a history and for some it seems to be more secretive. Damages to vehicles are many times noted on title records by each state’s motor vehicle department. This can help prevent these vehicles from being resold. However, some of these cars slip through the cracks and remain not only on the road but ripe for purchase.

No one wants to get stuck with a sub par vehicle. Some used car lots are littered with “junked” cars that are ready for sale. With some unscrupulous car salespeople out there, you may be tricked into buying something that has an unsatisfactory history. Even though there are laws protecting consumers, it can become difficult to undo the buying of a car that really should have been junked or totaled. 

Anyone in the market for a used car has to be vigilant and do some research in order to uncover a car’s secret history. By using an independent title research company or a consumer advocacy organization, you can discover the real history behind a used car. 

Car-buying experts say that no single group or database can possibly access records on every vehicle from every state. Therefore it is recommended that anyone doing a history check on a car utilizes at least two different title research companies. Without a thorough check into a vehicle’s history you could end up with not only a damaged car but one that is unsafe to be driven on the road.

Not only should car buyers do research on a car’s secret history but the vehicle should also be inspected and test-driven. A licensed mechanic can perform a physical inspection of the vehicle. You should also take it a step further and use a licensed mechanic who specializes in uncovering accident or flood damage. An expert has an eye for that. 

Thankfully, most used cars that are on the market today are actually safe and reliable vehicles. However, by taking some extra precautions and doing some thorough research, the secret history of a car can be uncovered. This can save you from driving an unsafe vehicle and getting ripped off.

Totaled and Salvaged Vehicles Are a Goldmine

One hidden gem in the car repair business are totaled and salvaged vehicles. These are usually vehicles that have been deemed a total loss or beyond repair by an insurance company. Salvage yards have a goldmine in their hands. The vehicles are taken to a junkyard and the parts of the vehicle become available for resale to regular consumers and auto repair shops alike. In rough economic times, this is a boon to the vehicle owners. They are often able to go to a salvage yard, pick up the replacement parts and with a little know how, can sometimes repair or refurbish their own vehicles at a fraction of what an auto body shop may charge.

Auto repair shops are not left out of the loop when it comes to totaled and salvaged vehicles. They are often able to pick up parts at discounted rates, which they may or may not pass on to their consumers. They finish auto repairs, while still labor rates stay the same. 

Another great feature in the world of auto body repair are salvage company websites. Many have their stock listed online and you can search for exact parts on totaled and salvaged vehicles as needed. There are some sites that will allow a consumer to search parts and redirect them to the closest facility for purchase. An easier way to do this is for a customer to themselves search for the closest location and check for the salvage yard’s personal website. Some salvage yards offer shipping as well, but if you are saving money, the larger parts may not be worth shipping. 


All in all, totaled and salvaged vehicles are a great way to save money when a person needs to do a minor change or when new factory made parts are too expensive. With a little ingenuity, minor repairs can be facilitated at home and the major repairs can be done for less at an auto body shop. Some repair shops may allow the customer to supply their own parts and labor may be the only factor. Make sure that careful research is done before choosing parts. Trying to get a refund is difficult, if not impossible once bought. It is worth looking in to, if you know where to look.

What to Consider When Buying Recycled Car Parts

It makes good sense to find ways to save on family expenses in whatever way you can. While it’s common practice to clip coupons and scour the internet for good deals on certain household items, most folks don’t know how to save on car repair costs. Aside from finding a fair and honest mechanic, one little known way to stretch your car repair bill is to use recycled parts when servicing your car. 

When turning in their cars and trucks for service, many people don’t think twice at paying full price for brand new parts used to make the repair. By comparison, you can distinguish yourself from the common consumer by asking your mechanic to use recycled parts whenever possible. You may feel satisfaction in the overall lower prices you pay, but you will also find comfort in knowing you have helped reduce the environmental impact otherwise incurred in the disposal of the parts you just bought.

While buying your next recycled part for your car or truck, price should not be your only point of consideration. Keep in mind these other practical factors:

  1. Condition of the part: Would you feel comfortable buying a rusted or bent part as opposed to buying another recycled part in better or near-new condition?
  2. Difference in Price: If the savings you would enjoy in buying a recycled part is not as great as you expected, then try to ask for better pricing from your parts vendor. Show them the brand new price of the part you are trying to buy and how little you would be saving through buying from them.
  3. Complexity of the Part: While it may seem like common sense to others, it goes without saying that the more complex the part is, the more likely it is to break soon. Try buying a recycled part from a car or truck that has little to no mileage or is a late-year model. This will reduce the likelihood of a recycled part breaking soon. 
  4. Safety level associated with the part: While buying recycled parts on the cheap may seem attractive, consider whether it’s safer to buy brand new. For example, would you rather buy new brake calipers with a warranty, or partly worn recycled calipers that will need replacement soon?

 
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