Totaled Car or Not – 5 Tips so Your Carrier Declares a Total Loss

Your totaled car is sitting in the backyard when you get a

telephone call from your insurance adjuster. They will fix your car! In many

occasions this is good news, but when your car is nearly destroyed, and the

insurance company wants to patch it together and give it back to you, then

you’ve got a problem.

Think about it. The car will never be the same. If you want

to trade it in or sell it, you will probably have to take a substantial

reduction in price to be able to get rid of it. You also need to consider the

safety aspect of the car. Will your car ever be as safe as it was before the

impact?

In most accidents, cars can be fixed with no major

problems, but when you have a totaled car (or you are almost there) and the

insurance company will repair it and return it to you, you can be faced with an

uphill battle.

Insurance adjusters decide if you have a totaled car or a

fixable car. They need to first determine the value of the car and then

determine if the repair estimate is less than 70, 80, or even 90% of the car’s

value. So how do you protect yourself? Here are five simple tips.

Tip # 1: Ask for the repair estimate. Getting the

repair estimate will show you what the insurance company thinks is wrong with

your car. Review the estimate. Make sure the car will be painted and that all

the necessary parts to fix it are accounted for. If you do not know mechanics

that well, take that estimate to another shop and ask them to review it. You

will be surprised when other shops will tell you that your car should not be

repaired.

Tip # 2: Make sure you have the insurance company

account for all the cost associated with fixing the car before they start

working in your car. Have them account for all the parts and the shipping cost.

Make sure that the parts they are buying are actually in inventory. In many

cases, insurance adjusters price a part, but cannot find it. This will make you

wait longer and they would have to pay for more rental.

Tip # 3: Ask for a “tear down” so you know that

there is not a totaled car but a car that can be properly fixed. When insurance

adjusters and body shops write estimates, the do not get under the damaged

parts. They only look and estimate the damage that is visible. A tear down is

the process of taking off all the damage parts and looking to see if the parts

below are also damaged. More often than not, hidden damage will appear, and this

will make the estimate of damages higher and taking you closer to a totaled car.

Insurance companies do not want to pay for this tear down.

But if you insist, they will pay for it. This is a good idea anyway for two

reasons. The tear down will most likely than not increase the repair estimate.

You will also know if the integrity of the frame and chassis were compromised in

the impact.

There is no question that the body shop can put the car

back together. The question is if a fixed totaled car will be safe to be on the

road. Make sure some one looks at the mechanical and structural integrity of the

car.

Tip # 4: Use the rental expense to your advantage.

If your totaled car is going to get repaired, then it is likely that it will

take 20 to 30 days before your vehicle again. That is only counting body work

and paint and that all parts are on hand at the time the mechanics start

working. It will take longer if you have mechanical problems.

The insurance company will be looking at a rental bill that

could be over $1,000, depending on the limits of your policy. We have seen

rental bills of $2,000. If you have a totaled car, then the insurance company

will only have to pay up to three days of rental (sometime less, depending on

your state). They will be saving significantly if they do declare a total loss.

Tip # 5: Research your state law for

diminished or diminution of value claims. If you are making a claim against

your own insurance company, some states will allow you to ask for the difference

between what the car was worth before the accident, and what it worth after it

is repaired. Many states do not allow for first party claims like this one.

However, the restrictions only apply to first party claims. If you are making

this claim against the insurance company of the person that hit you, then the

claim will be allowed. Also, if you are making a uninsured property damage claim

against your own carrier. The claim will be allowed.

Click here for more tips on how to handle a totaled car claim.

8 Tips to Save Money on Car Insurance

Since car insurance is costly, most consumers don’t want to use it. Buying the right coverage is important, but it costs more to get a new car insured. Give below are a few tips that can help you save money on your car insurance. Read on.

Annual Rate

You can check out some websites to compare different insurers online. While you can’t get a quote immediately, you will get a reply soon from the agents of the company. You may want to consider making a relationship with a good independent agent. They will help you check rates of tons of carriers.

Pick a Good Insurer

Saving money is not about looking for the lowest premium. Actually, some providers offer lower rates of premium. However, they end up charging you more at the end. As a result, you pay more for replacing the parts of the original equipment. In some cases, the provider may increase your premiums post an accident.

The Deductible

With a higher deductible, you will have to pay lower premiums. The reason is that you will be paying more in case of a claim. For instance, if you increase your deductible to, say, $500 from $200, you can cut down on your premium by 15 to 30%. So, if you choose $1,000, you will be able to save as much as 40%.

Review Your Coverage

Liability coverage will pay for your property damage and bodily injury in an accident. It’s not a good idea to reduce your liability to the minimums set by the state. While buying more coverage can seem a strange way of saving a lot, you can enjoy this benefit only if you have a big, expensive claim. As a result, your life savings are at risk. What you need to do is consider your personal injury medical payments and protection coverage.

Use the Discounts

Keep in mind that car insurance providers offer discounts based on the fact that the client has a low-risk lifestyle, such as students, new drivers, experienced drivers and affinity members, just to name a few.

Multiple-Policy Holders

Some providers offer hefty discounts provided you buy your renters, homeowners or life-insurance policy as well. However, make sure that you consider total costs of single-insurer packages and premiums of various providers.

Good Credit Score

Some states let insurance providers use your credit rating to set your premiums. What you need to do is check and fix errors on your credit report. If your rating has been affected by job loss, divorce or any other reason, you may ask your provider for an exception.

Choose Your Car Carefully

For auto insurers, vehicle damage may cost a lot. Therefore, the premiums are set based on the auto model. You may want to ask your provider for estimates on different car models.

So, we suggest that you check out these 8 tips if you are going to buy car insurance and want to save some cash with the purchase. Hopefully, you will be able to save a lot of money.

Things to Consider While Buying Auto Car Parts Online

Today internet is considered as one of the wonderful and exciting ways to buy and sell products. There are ample numbers of options to access that you may have never known. One industry that has witnessed a rapid change with the growth in concepts of online purchasing is automobile spare parts industry. Buying auto and car parts online had actually become a regular feature now for every auto owners. Buying any car part or truck part through online not only helps you in saving your time but even provides you with option to evaluate the specifications and cost of different manufacturers. On other hand, with the conventional auto spare part dealers, chances are more when you would be forced to decide only from the particular brands that they had stored.

Buying auto parts or truck parts online is definitely a great way to overcome purchasing problems. Today with the right words typed into the search engine, you can find many different websites catering to your auto parts needs. It is very clear that buying car or truck parts online is easy, effective and cost competitive. However, there are some basic tips that must not be overlooked when you purchase automobile parts on net.

Here are some important tips that you must consider before buying auto car parts online:

Check for manuals & information – On net you may find numerous resources that may help you find the product as per your desired needs. But, it is always more advisable to check out for online manuals or detail product information regarding the specification of an auto spare part. As different models of same vehicle may use auto parts whose specification may vary minutely.  

Know your seller – As online purchasing has gained its popularity, today there many frauds try to pick on not-so-knowledgeable consumers. So, it becomes very important that you buy product from a reputable company or private seller that has a tested record. You may ask your friends or colleagues who might have purchased some auto part already from the same seller you are eyeing on. 

Compare prices and promos – Always try to avoid getting hooked instantly on a deal that seems too good to pass up. It is always good to take some time to surf through several sites of performance auto parts sellers and note down what each seller offers for the particular auto part you seek.

Give attention to details – Giving a close attention to details can ensure a trustworthy transaction. For example, you may check out if the “product checkout” page of the website you are visiting displays a padlock icon in the lower right-hand border of the browser window. This small icon indicates that the site is using secure encryption to protect your credit card information.

These are very basic tips, but when overlooked, will truly take you to online shopping hell.

In today’s economy, it is very possible that automobile parts are beyond your budgetary means. It might be that even if you have a fairly new car, you may not be able to find out the spare parts in a local automobile spare part shop located near to your locality. In such case, you may be able to find contact information of seller from different resources on the internet.  While it may take some research to locate them, at least you will be able to save some money.

Tips For Optimizing Car Parts Catalog Management

Upload the product data carefully

Challenges like inaccurate product data, multiple formats, and category-wise mapping can really make it tough to manage the online catalog. So, in order to comply with certain guidelines, you should gather every single detail and be consistent across all channels. You could spend some time in going through whitepapers that give an idea of how to deliver a consistent product view.

Be sure about the product tagging

After a keyword research, you should ensure that the tags are linked to the keywords. In fact, this is necessary because it helps customers to find car parts when they are having a look at the search engine results. For enhancing the SEO rank of the E-Commerce website, you must use tag clouds and make sure that the product tags are clickable.

Be creative with product descriptions

As you update the aftermarket parts e-catalog, write product descriptions with a creative bent of mind. As unique descriptions are posted online, you can actually entice customers to check out the car part and make an online purchase. While you emphasize on specific lines and phrases, you shouldn’t forget to add HTML header tags.

Create a master file

Creating a master product sheet can always make things easier when you have everything entered in one sheet. Apart from the information, you should also include images, part number, and the price. Implementing such kind of a sheet can streamline tasks pertaining to data management.

Synchronize inventory

If you are trying to manage different E-Commerce channels, then it’s important to manage inventory. As the content is optimized from the SEO perspective, you can use tools rather than uploading inventory details on your own. Moving ahead, you need to automate the task or delegate it someone who would just be synchronizing product inventory.

Explore digital marketing techniques

As you manage a digital campaign, the product features should be highlighted properly. This tip can help to optimize the catalog indirectly and aid to drive sales. After all, when you have done a good job in designing ads, you are sure to make the catalog visible within the search engine results.

Finally, integrating the catalog with an ERP solution would work for updating the inventory from the front as well as the back end. As the customer adds parts to the shopping cart, the order would be processed and fulfilled quickly.

If the steps seem tedious, then you can consider outsourcing the tasks to a third-party vendor.

Buy the Car Parts Online

Buying the car parts directly from the dealer is considered quite expensive. Therefore, buying the different spare equipment and accessories for your vehicle from online can be the best place to buy automotive parts at very low rates.

When buying the automobile parts online, there are certain things that you should keep in mind. Even though, purchasing online is considered as an ideal way to get the best parts, you will not be able to see the equipments physically unless you buy them. Therefore, you must be very conscious while selecting the parts for your vehicle.

Several companies offer the car accessories online. Therefore, it is not at all a difficult task to get them through online these days. You just have to look for the company that provides the best parts at very reasonable price. It is better to purchase from some of the well-reputed companies in order to receive the features like insurance, warranty etc.

One of the major advantages of buying the car equipments from any good company online is that they provide the parts at very low price with the guarantee features. This will also allow you to find a huge selection of car parts that are not available in the stores. The best place to buy car parts, however, depends upon the rates and the wide variety of options available. So, any online source, which offers affordable car accessories, can be best chosen for all your car spare part needs. So, buy parts online for your favorite car!