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.

Tips For Buying Oriley Auto Parts

Oriley auto parts stores is a reputable store with ability and experience in battery testing, drum and rotor resurfacing, loaner tool program, electrical testing, module testing, searching products, etc. The oufit was registered in 1957, although her beginning in the automotive market and the demand for improvement can be sourced back to a much earlier time.

They have a wealth of experience and expertise in their business field. Today, the establishment has over 1750 store warehouses in well over 26 states of almost $3 billion for the year ending 2006.

Oriley auto parts – Shops With Integrity

The establishment have strived hard just from the start to stand by and strongly keep the conditions of their work statement “To be the foremost seller of auto parts in the market sector by presenting retail customers, every installers, and jobbers the best result combination of price and quality given with the best affordable possible service level”.

This has given every customer who patronize Oreily auto parts sale points the real level of parts performance which allows them to always want to return.

Oreily Auto Parts: New And Parts

The company is a direct representative of most local and foreign auto-machines maker, you must see any auto parts plus body parts that you required for your car model with ease couple with the recommended specification.

You can also their auto specialists to lead you with the help of their free online chatting system if if you want. Their online catalog is well stocked and really easy to use to order the correct part you demand to the last detail, you can also use it to locate their outlets closest to you, to visit them for whatever you need.

Oriley auto parts: The Shop Of Reliable Warranty

Even if you order online or offline you benefit from the same level of warranty, which shows the excellent quality of oriley auto parts and other quality services they give.

Tips For Selling Genuine Auto Parts On Amazon

Sync inventory with the Amazon store

As people add items to their shopping carts and place an order, a fast delivery option can be expected from Amazon. This implies that you need to update the inventory and make sure that the items aren’t available. As you plan ahead, it might be time-consuming for synchronizing inventory all by yourself. So, if you have a long list of car parts, then it’s essential to sync inventory automatically.

List the items accurately

As you choose Amazon for promoting car parts and accessories, you should check every product page. If you come across pages which depict poor quality, then you shouldn’t upload them. In the end, ensure that the items match to what Amazon likes listing through the website.

Check for the prices

Once you are successful in managing the inventory through a tool, then you should be consistent in maintaining the price. In case you need to stay ahead, then you can decide on the price only when you have checked the same product on different online portals. In this way, you would be able to sell the items at the right price even when an extensive range of items are showcased online.

Shipping cost

As you upload the product pages along with the description and the details, you should do it with great accuracy. See to it that your team doesn’t make a mistake in stating the dimensions and the weight of the car parts. While free shipping can entice people to purchase the product, you should be intelligent to drive everything with a shipping strategy that boosts the sales and covers up the cost.

Avail Amazon’s Buy Box

On websites like Amazon, you can list the products and make the ‘Ready to Buy’ box prominent. After all, you gain the advantage of featuring yourself as a seller on the online portal. Once the Buy Box is displayed on the web page, you can expect an increase in the sales. But, in order to be a seller, you first need to meet certain criteria laid down by Amazon.

Finally, if you wish to be successful soon after proceeding with auto parts listing on Amazon, then it’s time to implement and streamline many processes. You can also use listing tools to make a few aspects of the process. A shipping software can also help when you integrate numerous systems for the comprehensive strategy you had thought about.

Tips for Buying Second Hand Engines and Spare Parts Online

Gone are the days when buying second hand engines or car parts for your automobile used to be a sweaty, grimy day’s work. These days, looking for specific used car parts, checking out their condition and history, comparing prices from ten shops, haggling over the right price, and then carrying the heavy bag of the purchased used car parts, all of this can be done from the comfort of your home, in a matter of seconds. Thanks to online shopping websites, buying a second hand engine or a spare part is now easier, more convenient and really economical.

However, with comfort, usually comes the cost. And in this case, the cost involves the chances of being swindled out of a good deal online because of your accidental overlooking of some important detail regarding the purchase. To avoid that, here are some tips that you should go through in order to buy second hand engines and spare parts from online garages, and get the best deal out of them.

Firstly, you should always keep your VIN (Vehicle Identification number), a number which is unique to every vehicle, handy. This will help you find the best spare parts for your vehicle, and is especially helpful if you are buying a second hand engine. Not only can you determine the make, model and the year of manufacture of your car through the VIN, you can also request a VIN check on the second hand engine or any other peculiar used part that you are buying to see its past performance. This will also keep you from landing up with a faulty engine or spare part.

Secondly, before finalising any purchase online, gather all information about the car part that you intend to buy, so that you do not feel lost in the technical description of the same on the website and end up buying the wrong item for lack of technical knowledge.

Thirdly, Always ask for a warranty coverage for the second hand engine or the spare part you are buying. In online transactions of spare parts, the sellers are bound to give you a minimum warranty coverage even in case of second hand parts. Also ask for their return policy document, just in case. That’ll make sure you get your due, in case you are not satisfied with the part you’ve received.

Lastly, go through the fine lines very carefully while making any such purchase, be it a second hand engine or any other spare part. Do not overlook any detail in the purchase brochure to get the best deal on the used spare part you buy. And then, just click away to glory!