Tuesday, October 25, 2011

Should I have gone through with a "no-fault" claim for my windshield?

I went to a major national auto service center to get my oil changed, and they had a person there who inspected my windshield and told me that they noticed a few chips in it. They asked if I had full insurance coverage on my vehicle, which I do, and they said that they could repair the chips and it would be paid for by my auto insurance via a %26quot;no-fault%26quot; claim.



I'm not sure if it was a good idea, but I gave them permission to repair the chips. I actually had no idea the chips were even there, and they probably were extremely tiny. During the repair, they called my insurance company, and the chip repair was approved and my deductible was waived.



Will this really have no effect on my insurance rates? And why would the auto service center fuss over a few small chips? Are they pretty much fixing something that doesn't need to be fixed just so that they can bill an insurance company and make profit?
Should I have gone through with a %26quot;no-fault%26quot; claim for my windshield?
The auto service center was trying to make a buck, but you did give them the authorization to fix it.



I don't know where they came up with the 'no-fault' line though. This hasn't anything to do with that. It's a comprehensive claim, and the deductible was waived because the glass was repaired instead of replaced. Comprehensive claims in general do not cause your rates to go up.
Should I have gone through with a %26quot;no-fault%26quot; claim for my windshield?
This will have no effect whatsoever on your insurance. They look at repair vs replace as cost effective -- the repairs usually run less that $100 while replacement of many windshields run in excess of $450.
You really should have inspected said cracks to begin with, however, having said that if you trust your mechanic then there really shouldn't be a problem. Small or large cracks on your windshield is not safe as it may not absorb an impact as well as if there were no cracks. You will not have to pay excess, you will also remain on the same %26quot;No Claim Bonus%26quot; rating however, I am unsure if they increase your premium?

Why does my 2001 chevy blazer shake when its about to take off and around turns?

It just started doing out of nowhere. When I idle at a light it shakes and when I got to take off it does it until I get to a higer rpm. I changed the plugs and wires. Still doing it. There is a spark coming from the rear of the motor near the windshield but lower. What would cause this? And what can I do to fix it? The truck only has 112k miles on it.
Why does my 2001 chevy blazer shake when its about to take off and around turns?
The spark sound really effin weird and should not be happening. It could be an emissions problem or exhaust leak or something in that area. Bro, get the spark checked out though that sounds a bit dangerous

Thursday, October 6, 2011

Windshield Wipers Maintenance...?

I was told to clean the windshield wipers with a cotton %26amp; alcohol, and that it would eliminate the water-streaks on the windshield as they are operating.



I have done this, and they're still leaving continous streaks as they go back and forth.



I can change them, but I hate doing that.. I can never get it right! Is there some other home-made remedy for a sure-fix?
Windshield Wipers Maintenance...?
The streaking is caused by dirt, grease, oil. on the windshield. This comes from the cars in front of you and the sky.



Clean the window with Coca-Cola!. Just pour it on and scrub the glass with a paper towel. Be sure to rinse the mess off the window and all the metal surfaces of the car with a hose. Pepsi, RC and other colas don't work.



The wiper blades should be cleaned every time you wash the car. Alcohol is okay, but windex and a paper towel work fine. Your blades should last for years.



Remember, auto dealers, auto parts stores and wiper manufacturers sell wiper blades. They want to sell their product. Be smart.
Windshield Wipers Maintenance...?
Try adding a good quality windshield liquid cleaner and it should eliminate the streaks. Otherwise, you should change your windshield wiper. The auto dealership does recommend changing the wipers every year.
Most cars have a tensioner spring on the arm that you can adjust how tightly you want the wipers pressed onto your windshield.

Your car manual should have info on this if so equipped.



If not,have you tried applying Rain-X to windshield?

Might help.

Good luck.
You probably need a new windshield. Windshields tend to get a greasy film on them that is really hard to get off. You can see if a new windshield is covered by your insurance. If it is, just crack your windshield and get a new one for free!



Or, you can just use rain-x on your windshield. That's what I use and I dont use my wipers... at all!

Who is legally responsible for an accident when the designated driver misses a curve, hits a tree & is killed?

My daughter let her non-drinking friend drive her car to %26amp; from a party. The driver hit a tree, was killed. My daughter went through the windshield %26amp; is in intensive care with head injuries %26amp; broken bones.Who is responsible %26amp; does it change if the car was not insured?
Who is legally responsible for an accident when the designated driver misses a curve, hits a tree %26amp; is killed?
Two things..



First off, if your daughter went through the windshield, why was she not wearing a seat belt?



Second, it's hard to say who is responsible unless it can be proven beyond doubt that someone's negligence caused the crash.



In the meantime, if the car was not insured, it first off should not have even been registered, and second off whoever owned it better find a real good lawyer, because the dead person's family is gonna come with all guns blazing.
Who is legally responsible for an accident when the designated driver misses a curve, hits a tree %26amp; is killed?
sorry but who was driving is alway responsible if one misses the road can only be one the one driving sounds like your looking to blame someone for a accident and from what you have said there was only two driver and your kid and insurance wouldnt matter who was driving was one who wreak
Unfortunately, the driver is at fault. Two things to do in this matter and I have to stress...please give the family time to grieve.



If I understand correctly, your daughter's vehicle was not insured? If the driver was a resident of his parents home, you can file a claim on their auto insurance or his own. Depending how their policy language reads, they may be able to assist with medical-pain/suffering off the Bodily Injury coverage (occupant bodily injury). It may happen that since he had permissive use to drive her vehicle, they could decline the claim.



You also have to remember, you may be approached by the city for any property damage..which if not insured will be your daughter's responsibility.



I do wish you the best and my heart goes out to the family that lost a child. I lost my son to a drunk driver a year ago.
using causing and permitting.

Who was using the vehicle... Daughter and freind...

Who caused the vehicle to be used daughter...

Who permitted the vehicle to be used:-

? Owner.. as in who actually bought the car they are vicariously liable for who who uses the vehicle.. did they indicate who should and should not drive the vehicle... The insurance company avoids this liability by indicating on the policy NAMED DRIVERS. or drivers with the permission of THE POLICY HOLDER..

? Policy Holder.. As in who took out the insurance in their name They are vicariously liable to ensure only those permitted by the insurance company drive the vehicle and that all those driving the vehicle are suitably qualified.. that is why the policy holder signs the insurance it is a legal doccument and shows that they comply with the law.

? User, your daughter was using the vehicle and drove it originally, the other person was then Caused to drive the vehicle by your daughters actions of Permitting them to drive the vehicle.. The Driver then Caused the incident which caused injury to both the driver and your daughter..



In a case of law the police will prosecute the person using causing and permittng the vehicle to be used prior to the incident taking place. Therefore, without just cause your daughter permitted the vehicle to be used. ERGO she is also liable.. and will be prosecuted for the driving offences, ie no insurance ( as the driver probably wasn't insured) had the driver lived then they too will be prosecuted for dangerous driving.

In civil law.. astute lawyers/ solicitors will sue your daughter and the owner of the vehicle for PERMITTING the incidend taking place and for CAUSING the vehicle to be used on the road... if the driver was UNINSURED by rote of not being a named driver or permissible under the insurance policy, then the suit will land on the shoulders of your daughter AND the owner of the vehicle AND the person who took out the insurance policy.........

Welcome to the world of litigation BUT

Be thankful and blessed.....YES BLESSED... that your daughter is still alive..... because the other persons parents/ family... would give every penny in the world to still have the otherperson alive......
The driver is responsible for the accident........ but.... your Daughter is financially responsible because she owned the car. Whether the car was insured or not in no way determines %26quot;fault%26quot;. If it was not insured, your Daughter will be held responsible for any and all damages and compensation. Unless, the driver owned an insured car. There may be some coverage from that drivers policy. If it was insured, Your Daughters insurance company is liable. The driver (estate) can be charged for driving a car with no insurance. If there was no insurance, I would be running, not walking to see a lawyer.
I think what your really asking is who is financially responsible for the damages. The driver is legally responsible but the owner of the vehicle is responsible for the financial damages. That is why people buy insurance. I believe since your daughter allowed someone to drive her uninsured vehicle she is responsible for all financial losses which may include the death of the driver. If she is underage, you are then responsible since it was you who allowed her to drive an uninsured car.
PLEASE PLEASE PLEASE DO NOT APPROCH THE FAMILY FOR ANY MONEY... but how ever the driver is at fault.. if the driver was coverd under your insurance then there is nothing to worry about.. if you didnt have insurance then it would be an out of pocket expense being your responsiblity because you own the car how ever after everything settles down a bit you and the other family could come to some kind of agreeance..
Yes ut is.My twin sister Nikki or should I say Nik was driving my Civic @ the time and it a tree by our house and then she promised me that she would pay me back. But has not for years my civic. But my civic was a 99 civic..But other wise my twin quit smoking THANK YOU GOD... but any ways Nik was dating Tyler Kyle's best man @ the time.Was in the car and he broke his hand and his foot. Nik went to a party.And I called her and called her. And she said%26quot; Mich. And I told her it is 1:00 a.m. Dad's goin to kill you. So my step dad started yell Nicole Ashley Smith you are grounded.. So other wise. I might get a SUV or a Car with four doors or two doors.
I'm not sure what answer you're looking for? The driver is responsible for failing to control the vehicle. and she's dead. The car was not insured and shouldn't have been on the road. Your daughter is guilty of letting someone drive her uninsured car. Your daughter, as the vehicle owner is responsible financially. She will probably be sued by the family of the driver, and if she is a minor, you could be sued as well.



Sorry about your daughter, I hope she fully recovers.

Stability on BMW F650 GS?

I am a novice street rider with this new bike. I feel very uncomfortable at highway speeds on this bike. If I changed to a larger windshield, would this help? Any other thoughts?
Stability on BMW F650 GS?
The BMW is anything but a GP bike, its an Enduro. These type of bikes are Paris-Dakar machines or very similar. Its not meant for the road really. I would say its 70:30 in favour of dirt by reading reviews.



Anyway, back to the question. With the ultra soft suspension and knobbly tires, long motorway journeys arent recommended.



There isnt much you can do about this i'm afraid, as your bikes habitat is primarily off-road.



I really dont understand why people here keep recommending smaller bikes. An Aprillia RS 250 would blow many bikes, much larger than itself, away easily. The F650 has a nice gentle acceleration curve, and good low speed stability. An ideal bike. You just need to ride to your machines strengths.



Good Luck.
Stability on BMW F650 GS?
this bike is definitely not a gp bike. i wonder what gave him that impression. like the guy above me said, this bike made for the dirt so you'll have to work with what you've got. not a bad bike tho. enjoy it and be safe
if you are a %26quot;novice%26quot; then you should not be riding a street legal GP bike



a larger winshield will not change the stability of the MC



the bike is as stable as the rider at the controls. if you think the bike is unstable then you need a smaller bike until your skills improve.



Ride safe; RIDE SMART;



keep the rubber down
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  • Do they sell commerical policies that cover only certain trucks in a trucking business?

    A dump truck cracked my windshield and the insurance company is saying that the truck that broke it isn't covered. It doesn't make sense that the one truck that broke my windshield isn't covered. Wouldn't you have to buy a policy that covers your drivers in whatever truck they drove as opposed to the trucks the company owns when the trucks can change. I think hes just saying this so he doesn't have to pay but i don't knoww anything aboutcommerciall insurance.
    Do they sell commerical policies that cover only certain trucks in a trucking business?
    Do you have an auto insurance policy? TAke a look at it - does it cover every auto in your state? No. It only covers the LISTED autos.



    So no, your employee isn't covered in ANY vehicle - unless they bought an %26quot;any vehicle%26quot; policy.



    So, THAT dump truck wasn't insured. It was UNINSURED on the road. I happen to agree with you - I'd say he's just saying it to get out of the claim. I'd hike down to the office, and let him know you're taking him to small claims court, and adding in court costs and lost wages for your time in court.



    Don't forget, BEFORE you do this, to file a police report at your local police station, indicating as much of his information as you know, and including his statement that the truck is uninsured. :D Make his life a little uncomfortable.



    You sue the owner in small claims court, for the damage to your windshield.
    Do they sell commerical policies that cover only certain trucks in a trucking business?
    Exactally the same answer above. Just because he does not have insurance does not mean he is not responsible it just mean he gets to pay it out of pocket. Also when you talk to the police, make sure to let them know the owner indicated that he knowingly operates an uninsured vehicle.

    Windshield Repair!?

    HELP! Windshield Repair

    Question Details: I just got my windshield %26quot;repaired%26quot; by some guys who tried to get me to replace it since the beginning. I asked them to do the repair first b/c I wanted to see what it would like look before I got a replacement.



    It looks exactly the same! No change at all. I think they just want me to replace the windshield, but I would rather have it repaired correctly. The rock chip is about the size of a nickel...it's tiny and I just can't believe it would still be visible if they had done it right.



    Can anyone recommend a company? Preferably from personal experience. I live in Charlotte, NC.



    Thanks! :o)
    Windshield Repair!?
    I have a couple of comments:

    1st I'm really sorry you had to deal with a hack!

    2nd if he did actually put any %26quot;repair%26quot; material (resin) in the chip it is sealed and no one will be able to repair that particular chip.

    Also, if the chip was new it should have come out clear (not able to see) if it was repaired with a suction kit. Basically the air and impurities should have been removed with suction and then replaced with resin then pressure to push the resin into all the parts of the chip. The last step of the repair process is to cure it with a UV lamp and then buff the area to be sure that it is smooth again.

    In the future when you get a rock chip put a piece of clear tape on it ASAP, to keep it clean and dry. Don't wash your car with high pressure wash until you get it fixed. And _if_ you can find someone who offers repair first service use them. Not a replacement company who also will repair.

    Lastly, GOOD LUCK!!
    Windshield Repair!?
    I agree with Cindy T. Hi Cindy

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    Two things. Safelite auto glass is across the US and does a great job. You can see if they are nearby by looking here: http://www.safelite.com/locator.jsp



    Second... glass repair won't fix how it looks... it will just ensure that it will not crack further from heat/cold weather. We had it done and the guy warned me that it won't look much better. It did look better... but not much.
    they cant always repair them and make them look like nothing ever happened to them,that's why the guy tried to get you to replace it,he knew it wouldn't come out looking good,he probably repaired it the best that it could be done,any large place on a glass and it will be noticeable,so you should have listened to him and had it replaced,there a limit as to the size of a repair they can do,without it being noticeable,any place that large in a glass will be noticeable,so now you,ll have to replace it if you want it to actually go away,good luck with it.