Thursday, July 24, 2008
Saturday, July 19, 2008
Your Money, Your Life, or Your Seat Belt
Your Money, Your Life, or Your Seat Belt
by: Michael Oliver
A seat belt is one of those things in life that just doesn't make sense to about 40,000,000 people in the United States. After all, freedom of choice is the Free World cornerstone and when it comes to our automobiles, we want to ride them any way we choose.
“Liberty or death!” shouts a protestor on the nightly news. He values his God-given Freedoms to drive without fear of an illegal search and seizure. “The people,” he contends, “aren’t idiots and can govern their own safety.” Courts determine whether driving without a seat belt is a Right or a Privilege, but “by God we will defend our freedoms ‘till our dying breath.”
Unfortunately, that’s just what happens each year.
What these people don’t realize is just what choice they are making when they drive without a seat belt wrapped around everyone in the car.
Government and industry have sponsored multi-million dollar safety seat belt awareness campaigns for decades. Usage has climbed, but only slowly through the years until recently.
It’s easy to recognize at least one popular national slogan:
* Buckle Up For Safety
* Seat Belts Save Lives
* Buckle Up America
Officer Friendly would appear in class to teach all about car safety. He didn’t come into every room, so some of us were indoctrinated with second hand playground news.
State sponsored campaigns are less well known.
Missouri had the lowest state seat belt usage as the year 2000 approached according to the National Highway Traffic Safety Association (NHTSA). Only 60% of Missourians wore seat belts, so in a $300,000 concerted research effort, the State of Missouri studied advertising strategies that would appeal to all age groups. Radio stations received Public Service Announcements, 64 local newspapers printed press releases while two carefully selected slogans were printed on 26 billboards that read:
* It takes 3 seconds to buckle up. Dead is Forever
* You think a zit is bad? Try a windshield.
Did the State of Missouri reach the target audience?
Results: Seat belt usage among all age groups …
* Escalated to nearly 68% about equal to the national average at the time.
What was the real success?
Hundreds of lives were saved yearly and serious injuries were avoided.
“Click It…Or Ticket” kicked off in May of 2003 as the latest national seat belt campaign with a starting advertising budget of $25 million paid for by the US Government. That’s a lot of money to begin an advertising campaign about seat belt usage. Was the purpose to really save lives, build up local treasuries, or just advertise? The results easily speak for themselves…
Safety belt use in the United States rose to almost 80% in 2004(the highest single year increase) up from 58% in 1994. An additional 10% rise in safety seat belt use could save an estimated 8,000 more lives per year and prevent more than 100,000 traffic related accident injuries.
It’s estimated that more than 14,000 lives had been saved with seat belt use in data compiled by the NHTSA for 2002. And of the almost 33,000 passenger vehicle occupants who were killed during the same period 59% weren’t wearing a safety seat belt. (NHTSA).
This isn’t a near 50:50 chance that you’ll be killed with or without a seat belt. Serious injuries far exceed deaths. There are almost 7,000,000 car accidents in the USA alone each year. Almost 3 million people are injured. Thousands of those injuries are preventable with proper seat belts. See statistics: www.car-accident-advice.com
The NHTSA estimates that had all vehicle occupants over the age of 4 been wearing safety seat belts,
7153 more people would be alive.
Those are brothers, sisters, mothers, and fathers.
Statistics are people.
Does it really sound that simple?
Wear a seat belt to significantly increase the chance of surviving a car accident.
People are creatures of reminded habits who participate when threatened with economic loss. The Click It…Or Ticket campaign primarily advertised an aggressive ticketing effort by local police departments.
The campaign doesn’t include shocking video footage showing ejected car accident victims. There aren’t many hard-hitting statistics such as:
In 2002, 73 percent of passenger car occupants who were totally ejected from the vehicle were killed.
-NHTSA
The primary cause of death for people aged 4 to 34 is car accidents.
-National Center for Health Statistics
In 2000 total economic cost of motor vehicle accidents in the US is equal to 2.3% of Gross Domestic Product or almost $820 per US resident.
-NHTSA
We all pay.
Yet the “shock & awe” techniques have been used over and over in previous education campaigns.
The choice a person has to wear a seat belt without threat of economic loss is a luxury because statistics bear it out. The chances of receiving major injuries during a serious impact without a seat belt increase twenty-five times.
There must be other reasons why a person would gamble life and money over the use of a seat belt. Most adults have heard all this before.
“Seat Belts are uncomfortable” - Complaint 1
Today’s seat belts are adjustable. Read your car documentation to make sure you’re wearing them properly. The shoulder belt should never be worn under the arm or behind the head. That position almost guarantees injury in an accident. Seat belts are positioned to give you a range of useful movement and then to hold you in place should you exceed that range. However, a person still has freedom of choice: Wear a seat belt or become 1 of the 73% who is ejected. Comfort vs Risk.
“I’m a careful driver and have never been in an accident.” – Complaint 2
Eight out of ten drivers will be in a car accident within the next 10 years.
Choosing to wear a seatbelt makes a lot of sense, because the facts explain the risk to your own life. Playing the odds in Vegas is better than playing the odds with your life.
“I have air bags all around my car. Why do I need a seat belt.”
Air bags cushion impact. It’s better to strike the deflating air bag than the immovable dashboard. However, a seat belt protects you from the air bag.
Airbags explode in front of you at 200mph.
An airbag deploys so fast that it seems to inflate and deflate before the explosive sound is over. When you move abruptly forward in a car accident, the safety seat belt stops you quickly as the air bag approaches your chest. Even with the seat belt on you may feel like someone punched you hard in the sternum a day or two after the accident. However, without the seat belt on, you risk serious injury from the air bag alone.
I was wearing my seat belt in a car accident when the air bag exploded into my chest. It took a dozen X-Rays to prove my sternum wasn’t fractured, but the pain lasted for a month. Without the seat belt…
I’ll let you use your imagination, but without the seat belt and the air bag?
I wouldn’t be here. The car accident story is at www.car-accident-advice.com
'I don’t drive far.' – Complaint 3
80% of traffic fatalities occur within 25 miles of home and under 40mph
'I just can’t be bothered.' - Complaint 4
'I can’t tell other people in my car to wear them.' - Complaint 5
'Seat belts rumple my clothes.' - Complaint 6
The list of complaints could fill this page, because a person’s ability to rationalize what not to do has no bounds.
For those who don’t wear seat belts, look to see if it’s simply because you don’t want to be told what to do by a police officer who is writing a ticket or by statistics that have been shouting the same message for decades.
Statistics in the use of safety seat belts, injury prevention, and lives lost are as clear as day.
1. You have a high chance of being in a car accident.
2. A seat belt provides tremendous protection.
People don’t want to lose freedoms, so some create lawsuits to rescind primary enforcement laws. There is definitely merit to protecting the loss of the simplest freedoms and merit in getting the word out about preserve our lives with simple changes.
While we talk about it, 1000’s of people die each year because they don’t wear a seat belt. Those people don’t need to worry about losing any of their freedoms.
I love freedom, but I don’t want to lose a loved one either.
Learn the right lessons from Buckle Up America
That sounds a lot easier than being forced to Click It…or Ticket.
It’s a choice: Your money, your life, or your seat belt.
By Mike Oliver
www.car-accident-advice.com
Free to distribute by any media as long as links are maintained
About The Author
Mike Oliver is a programmer/analyst who survived injuries from a serious multiple car accident. After speaking with attorneys who looked to create a case and then take up to 50% of any settlement, Mike Oliver knew there must be another way to get the legal help he needed, conquer the insurance nightmares, and keep 100% of his settlement without fear of a do-it-yourself-kit. He found it and saved thousands of $$$. You can, too. Get the lessons Mike paid to learn Free at www.car-accident-advice.com
by: Michael Oliver
A seat belt is one of those things in life that just doesn't make sense to about 40,000,000 people in the United States. After all, freedom of choice is the Free World cornerstone and when it comes to our automobiles, we want to ride them any way we choose.
“Liberty or death!” shouts a protestor on the nightly news. He values his God-given Freedoms to drive without fear of an illegal search and seizure. “The people,” he contends, “aren’t idiots and can govern their own safety.” Courts determine whether driving without a seat belt is a Right or a Privilege, but “by God we will defend our freedoms ‘till our dying breath.”
Unfortunately, that’s just what happens each year.
What these people don’t realize is just what choice they are making when they drive without a seat belt wrapped around everyone in the car.
Government and industry have sponsored multi-million dollar safety seat belt awareness campaigns for decades. Usage has climbed, but only slowly through the years until recently.
It’s easy to recognize at least one popular national slogan:
* Buckle Up For Safety
* Seat Belts Save Lives
* Buckle Up America
Officer Friendly would appear in class to teach all about car safety. He didn’t come into every room, so some of us were indoctrinated with second hand playground news.
State sponsored campaigns are less well known.
Missouri had the lowest state seat belt usage as the year 2000 approached according to the National Highway Traffic Safety Association (NHTSA). Only 60% of Missourians wore seat belts, so in a $300,000 concerted research effort, the State of Missouri studied advertising strategies that would appeal to all age groups. Radio stations received Public Service Announcements, 64 local newspapers printed press releases while two carefully selected slogans were printed on 26 billboards that read:
* It takes 3 seconds to buckle up. Dead is Forever
* You think a zit is bad? Try a windshield.
Did the State of Missouri reach the target audience?
Results: Seat belt usage among all age groups …
* Escalated to nearly 68% about equal to the national average at the time.
What was the real success?
Hundreds of lives were saved yearly and serious injuries were avoided.
“Click It…Or Ticket” kicked off in May of 2003 as the latest national seat belt campaign with a starting advertising budget of $25 million paid for by the US Government. That’s a lot of money to begin an advertising campaign about seat belt usage. Was the purpose to really save lives, build up local treasuries, or just advertise? The results easily speak for themselves…
Safety belt use in the United States rose to almost 80% in 2004(the highest single year increase) up from 58% in 1994. An additional 10% rise in safety seat belt use could save an estimated 8,000 more lives per year and prevent more than 100,000 traffic related accident injuries.
It’s estimated that more than 14,000 lives had been saved with seat belt use in data compiled by the NHTSA for 2002. And of the almost 33,000 passenger vehicle occupants who were killed during the same period 59% weren’t wearing a safety seat belt. (NHTSA).
This isn’t a near 50:50 chance that you’ll be killed with or without a seat belt. Serious injuries far exceed deaths. There are almost 7,000,000 car accidents in the USA alone each year. Almost 3 million people are injured. Thousands of those injuries are preventable with proper seat belts. See statistics: www.car-accident-advice.com
The NHTSA estimates that had all vehicle occupants over the age of 4 been wearing safety seat belts,
7153 more people would be alive.
Those are brothers, sisters, mothers, and fathers.
Statistics are people.
Does it really sound that simple?
Wear a seat belt to significantly increase the chance of surviving a car accident.
People are creatures of reminded habits who participate when threatened with economic loss. The Click It…Or Ticket campaign primarily advertised an aggressive ticketing effort by local police departments.
The campaign doesn’t include shocking video footage showing ejected car accident victims. There aren’t many hard-hitting statistics such as:
In 2002, 73 percent of passenger car occupants who were totally ejected from the vehicle were killed.
-NHTSA
The primary cause of death for people aged 4 to 34 is car accidents.
-National Center for Health Statistics
In 2000 total economic cost of motor vehicle accidents in the US is equal to 2.3% of Gross Domestic Product or almost $820 per US resident.
-NHTSA
We all pay.
Yet the “shock & awe” techniques have been used over and over in previous education campaigns.
The choice a person has to wear a seat belt without threat of economic loss is a luxury because statistics bear it out. The chances of receiving major injuries during a serious impact without a seat belt increase twenty-five times.
There must be other reasons why a person would gamble life and money over the use of a seat belt. Most adults have heard all this before.
“Seat Belts are uncomfortable” - Complaint 1
Today’s seat belts are adjustable. Read your car documentation to make sure you’re wearing them properly. The shoulder belt should never be worn under the arm or behind the head. That position almost guarantees injury in an accident. Seat belts are positioned to give you a range of useful movement and then to hold you in place should you exceed that range. However, a person still has freedom of choice: Wear a seat belt or become 1 of the 73% who is ejected. Comfort vs Risk.
“I’m a careful driver and have never been in an accident.” – Complaint 2
Eight out of ten drivers will be in a car accident within the next 10 years.
Choosing to wear a seatbelt makes a lot of sense, because the facts explain the risk to your own life. Playing the odds in Vegas is better than playing the odds with your life.
“I have air bags all around my car. Why do I need a seat belt.”
Air bags cushion impact. It’s better to strike the deflating air bag than the immovable dashboard. However, a seat belt protects you from the air bag.
Airbags explode in front of you at 200mph.
An airbag deploys so fast that it seems to inflate and deflate before the explosive sound is over. When you move abruptly forward in a car accident, the safety seat belt stops you quickly as the air bag approaches your chest. Even with the seat belt on you may feel like someone punched you hard in the sternum a day or two after the accident. However, without the seat belt on, you risk serious injury from the air bag alone.
I was wearing my seat belt in a car accident when the air bag exploded into my chest. It took a dozen X-Rays to prove my sternum wasn’t fractured, but the pain lasted for a month. Without the seat belt…
I’ll let you use your imagination, but without the seat belt and the air bag?
I wouldn’t be here. The car accident story is at www.car-accident-advice.com
'I don’t drive far.' – Complaint 3
80% of traffic fatalities occur within 25 miles of home and under 40mph
'I just can’t be bothered.' - Complaint 4
'I can’t tell other people in my car to wear them.' - Complaint 5
'Seat belts rumple my clothes.' - Complaint 6
The list of complaints could fill this page, because a person’s ability to rationalize what not to do has no bounds.
For those who don’t wear seat belts, look to see if it’s simply because you don’t want to be told what to do by a police officer who is writing a ticket or by statistics that have been shouting the same message for decades.
Statistics in the use of safety seat belts, injury prevention, and lives lost are as clear as day.
1. You have a high chance of being in a car accident.
2. A seat belt provides tremendous protection.
People don’t want to lose freedoms, so some create lawsuits to rescind primary enforcement laws. There is definitely merit to protecting the loss of the simplest freedoms and merit in getting the word out about preserve our lives with simple changes.
While we talk about it, 1000’s of people die each year because they don’t wear a seat belt. Those people don’t need to worry about losing any of their freedoms.
I love freedom, but I don’t want to lose a loved one either.
Learn the right lessons from Buckle Up America
That sounds a lot easier than being forced to Click It…or Ticket.
It’s a choice: Your money, your life, or your seat belt.
By Mike Oliver
www.car-accident-advice.com
Free to distribute by any media as long as links are maintained
About The Author
Mike Oliver is a programmer/analyst who survived injuries from a serious multiple car accident. After speaking with attorneys who looked to create a case and then take up to 50% of any settlement, Mike Oliver knew there must be another way to get the legal help he needed, conquer the insurance nightmares, and keep 100% of his settlement without fear of a do-it-yourself-kit. He found it and saved thousands of $$$. You can, too. Get the lessons Mike paid to learn Free at www.car-accident-advice.com
Insurance Claim - Medical Insights And Expenses
Insurance Claim - Medical Insights And Expenses
by: Dan Baldyga
There’s nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the “pain and suffering” you were forced to deal with.
Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense’s, including repairing your car, lost wages, a shock to your life style, a tremendous inconvenience and short or long periods of pain and discomfort - - all of it a direct result of your injuries.
Plus, there's a long list of possible medical expenses. For example: Doctor/Chiropractor, Prescription Drug Bills, Ambulance, Emergency Room Care, Hospital or Clinic, Specialist and/or Dentist, Laboratory Fees and Services, Diagnostic Tests, X-Rays and (CT) Scan, Prosthetic Appliances or Surgical Apparatus (Canes & Crutches), Physical Therapy, Registered and/or Practical Nurse Fees, Gauze and Tape, Ace Bandages all of which the insurance company must pay whether they like it or not!
Also, Creams, Lotions, Ointments, Balms and Salves, etc. (Should the lady in your life apply any of these to your aching body I'm sorry to tell you this but her labor is not an expense you can claim).
YOU MUST BE COMPENSATED BY THE INSURANCE COMPANY FOR ALL OF THE ABOVE: It's true that a very small percentage of auto accidents cause big, serious injuries but that doesn't mean you shouldn't be paid big, serious bucks!
EXAMINATION BY THE INSURANCE COMPANY DOCTOR: Claims Adjuster Henry Hard-Nose of Rock Solid Insurance will usually try to pull a fast one insisting he wants you to be examined by the physician of his choice, the local medical con-man of all time, Dr. Nuttin' Wrong. Beware of such a request. Doctors assigned by the insurance company are notorious for stating, in the report they're paid big bucks to execute, "There is no objective basis", for your complaints.
You don't have to agree to be examined by Dr. Nuttin' Wrong. Rock Solid Insurance cannot insist that you submit to their doctor for an examination unless your claim actually becomes a formal court case. So, hold your ground until your attending physician, Ole “Doc” Comfort, has released you. After that it's okay to agree to be examined because by then it's too late! So much time will have passed it will be impossible for Dr. Wrong to minimize the pain, discomfort and suffering your injury has caused you.
WHAT TO DO ABOUT YOUR MEDICAL BILLS IF YOU MAKE THE MISTAKE OF OBTAINING LEGAL HELP FROM ATTORNEY I. M. SHARP: Should yours be a case in which there's no question that you're not at fault, make it clear to the Legal Beagle you've hired, I. M. Sharp, Esquire, that you expect his Contingency Fee will not apply to that which he recovers for the damage to your car, your medical bills, and/or your payment for lost wages. You tell him these are damages you would have collected ANYWAY - - whether he was handling the case for you or if you settled it yourself. Don't you dare be foolish enough to hand him a huge percentage of that which you were going to be paid by the insurance company, whether Attorney Sharp handled the case or not. To do so is the height of financial stupidity!
YOUR BODILY INJURIES: It's a proven fact that the vast majority of motor accidents cause minor injuries. While bodily injury pain can be specifically measured the limits of what you can endure cannot. Each of us has a different "pain threshold" - - that is, the point at which we begin to feel physical pain. The amount and quality of pain you feel is not strictly dependent on the bodily injury inflicted. It has a lot to do with your previous experience, how well you remember it, and your ability to understand what caused you that pain, and its consequences, the last time around.
Stress and strain magnify physical pain plus personal anxiety will greatly increase it. There are also emotional reactions to the injury. A bodily injury is bound to cause some degree of mental distress. The duration and severity that depends on a number of factors: The type of individual you are, the ultimate consequences of the injury you sustained, and the life stresses or strengths you're experiencing at the time of your injury. (If you can't stand her and she takes a powder you’ll handle your pain better if you really dig the chick and she dumped you for your best friend)!
When it comes to muscle injuries one thing you must keep in mind is that when one part of the body demands rest (by sending out a pain signal) and - - without your even realizing it - - you help your body by placing a new burden on other muscles. It gets complicated because although those muscles may not have been directly injured in the accident, they can still get buggered up and produce a lot of pain because of their new role.
DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle motor vehicle accident claim process. Neither Dan Baldyga nor ( ??? ) make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.
Dan Baldyga’s latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or visit your favorite bookstore.
Copyright (c) 2002 by Daniel G. Baldyga. All Rights Reserved
About The Author
For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.
dbpaw@attbi.com
by: Dan Baldyga
There’s nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the “pain and suffering” you were forced to deal with.
Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense’s, including repairing your car, lost wages, a shock to your life style, a tremendous inconvenience and short or long periods of pain and discomfort - - all of it a direct result of your injuries.
Plus, there's a long list of possible medical expenses. For example: Doctor/Chiropractor, Prescription Drug Bills, Ambulance, Emergency Room Care, Hospital or Clinic, Specialist and/or Dentist, Laboratory Fees and Services, Diagnostic Tests, X-Rays and (CT) Scan, Prosthetic Appliances or Surgical Apparatus (Canes & Crutches), Physical Therapy, Registered and/or Practical Nurse Fees, Gauze and Tape, Ace Bandages all of which the insurance company must pay whether they like it or not!
Also, Creams, Lotions, Ointments, Balms and Salves, etc. (Should the lady in your life apply any of these to your aching body I'm sorry to tell you this but her labor is not an expense you can claim).
YOU MUST BE COMPENSATED BY THE INSURANCE COMPANY FOR ALL OF THE ABOVE: It's true that a very small percentage of auto accidents cause big, serious injuries but that doesn't mean you shouldn't be paid big, serious bucks!
EXAMINATION BY THE INSURANCE COMPANY DOCTOR: Claims Adjuster Henry Hard-Nose of Rock Solid Insurance will usually try to pull a fast one insisting he wants you to be examined by the physician of his choice, the local medical con-man of all time, Dr. Nuttin' Wrong. Beware of such a request. Doctors assigned by the insurance company are notorious for stating, in the report they're paid big bucks to execute, "There is no objective basis", for your complaints.
You don't have to agree to be examined by Dr. Nuttin' Wrong. Rock Solid Insurance cannot insist that you submit to their doctor for an examination unless your claim actually becomes a formal court case. So, hold your ground until your attending physician, Ole “Doc” Comfort, has released you. After that it's okay to agree to be examined because by then it's too late! So much time will have passed it will be impossible for Dr. Wrong to minimize the pain, discomfort and suffering your injury has caused you.
WHAT TO DO ABOUT YOUR MEDICAL BILLS IF YOU MAKE THE MISTAKE OF OBTAINING LEGAL HELP FROM ATTORNEY I. M. SHARP: Should yours be a case in which there's no question that you're not at fault, make it clear to the Legal Beagle you've hired, I. M. Sharp, Esquire, that you expect his Contingency Fee will not apply to that which he recovers for the damage to your car, your medical bills, and/or your payment for lost wages. You tell him these are damages you would have collected ANYWAY - - whether he was handling the case for you or if you settled it yourself. Don't you dare be foolish enough to hand him a huge percentage of that which you were going to be paid by the insurance company, whether Attorney Sharp handled the case or not. To do so is the height of financial stupidity!
YOUR BODILY INJURIES: It's a proven fact that the vast majority of motor accidents cause minor injuries. While bodily injury pain can be specifically measured the limits of what you can endure cannot. Each of us has a different "pain threshold" - - that is, the point at which we begin to feel physical pain. The amount and quality of pain you feel is not strictly dependent on the bodily injury inflicted. It has a lot to do with your previous experience, how well you remember it, and your ability to understand what caused you that pain, and its consequences, the last time around.
Stress and strain magnify physical pain plus personal anxiety will greatly increase it. There are also emotional reactions to the injury. A bodily injury is bound to cause some degree of mental distress. The duration and severity that depends on a number of factors: The type of individual you are, the ultimate consequences of the injury you sustained, and the life stresses or strengths you're experiencing at the time of your injury. (If you can't stand her and she takes a powder you’ll handle your pain better if you really dig the chick and she dumped you for your best friend)!
When it comes to muscle injuries one thing you must keep in mind is that when one part of the body demands rest (by sending out a pain signal) and - - without your even realizing it - - you help your body by placing a new burden on other muscles. It gets complicated because although those muscles may not have been directly injured in the accident, they can still get buggered up and produce a lot of pain because of their new role.
DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle motor vehicle accident claim process. Neither Dan Baldyga nor ( ??? ) make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.
Dan Baldyga’s latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or visit your favorite bookstore.
Copyright (c) 2002 by Daniel G. Baldyga. All Rights Reserved
About The Author
For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.
dbpaw@attbi.com
Your Engine, Your Baby: Synthetic or Conventional Oil
Your Engine, Your Baby: Synthetic or Conventional Oil
by: Michael Walker
One central argument between car enthusiasts and on Internet car forums alike is what oil is better for your car, synthetic or conventional. Before synthetic oils became available for regular automobiles, the argument centered solely on brand types and weight. But now, with the advent of these synthetics all over the market, what is truly the best choice for your engine? Let’s explore both of these worlds to find out.
Conventional oil is rated according to a SAE system. This scale is used so that you know what type of oil is best for your car given the environmental conditions (temperature, city driving, etc.) of where you live. The first number, for example on 10W30 motor oil, is 10 followed by a “W”. This “W” indicates that the number before it is the viscosity rating of the oil. The lower this number, the better the oil is for colder climates. The higher the number, the better it is for hotter driving conditions.
Synthetic oils, on the other hand (before their commercial release) were used in many military vehicles and fighter jets. Airlines also use synthetics in their engines. The synthetic oil has been designed not to break down as quickly and can tolerate extremities in temperature and weather (hot to cold).
One of the major differences between conventional and synthetic oils is that synthetics are treated with more additives that protect your engine for a longer amount of time before you have to change it. And, while we don’t want to get into all the molecular chemistry involved in the making of these oils, we should mention that they also last longer in hotter conditions and won’t “gel” in colder ones, like conventional oil. In other words, synthetics have more additives, which greatly protect the car from viscosity breakdown. They are designed to withstand temperature extremes. It may be safe to say that extreme driving conditions call for the use of synthetics.
On the financial side of the matter, synthetics cost a whole lot more; up to three or four times as much as regular conventional oil. But, the wonderful thing is that you don’t have to change your oil every 3,000 miles; recommended with conventional oil use. In fact, you may not have to change it until well after 25,000 and up to 50,000 miles as long as the oil filter is changed every 10,000 miles. So, the cost at first might scare consumers away, but the long-term benefits of synthetic oil use are substantial.
However, you will still have to be responsible for your car’s maintenance check-up every 3,000 miles or so. With regular oil-changes, you are automatically checking over the car for other problems (or if you don’t an inspection mechanic does). It might help you find a problem that could be dealt with, that could’ve gone unchecked. Also, you’ll want to check the synthetic oil every now and then to be sure that it isn’t contaminated and/or that there isn’t any moisture build-up.
With normal everyday driving, perhaps conventional oils work best for you. You aren’t driving in extreme conditions and you swear allegiance to regular oil. That may be fine. Synthetic oil cannot really offer you anything that conventional oil cannot under normal operating conditions. However, the definition of extreme driving states that if you do a lot of short driving (two to twenty miles) daily, it’s hard on your car. And, specialists agree that this constitutes extreme driving due to the faster breakdown of the structure of conventional oil.
Another major reason that many are choosing the synthetic route is that it contains fewer impurities; impurities that can cause your engine harm, perhaps to the point of premature engine wear. With conventional oil, there’s no way to totally rid, filter or clean the impurities from the natural elements. That’s another reason why synthetic oils do not have to be changed as much even in extreme driving conditions.
You’ll want to be careful; however, if you do decide that you want to give synthetic oils a try. If you’ve been driving your 1983 Ford Thunderbird for years using 10W30, you may not want to switch using your conventional oil brand.
Conventional oils have solvents that stick to gaskets and seals and often cause them to swell a certain way. These gaskets and seals have been used to the same oil for years and the switch to any other type of oil (whether it is to a different conventional oil brand, or an upgrade to a synthetic) may be harmful. The oil you change (or upgrade to) will also have solvents and additives, different from the original. So in other terms, the changing of oils could result in oil leaks and/or a once small oil leak becoming bigger due to the reaction the seals and gaskets will have to the change (not because of the oil itself). If you think that this might be the case for you (i.e. if you have an older car using conventional oil), it’s recommended that you not try synthetic oil until you have an engine (or new car) with relatively virgin gaskets and seals that will be able to acclimate much more easily to the chemical changes of the newer type of oil.
It’s easy to see that that fanfare for one or the other is an argument that has really been explored. It’s best for you to decide what will fit your personal needs. If you have an older car, you may want to wait until you upgrade. However, if you have a newer car, the benefits of synthetic oils are easily seen. Again, it’s solely dependent upon you and the conditions where you drive. Synthetics are shown to provide their best protection above 250 degrees Fahrenheit. Most people do not drive their cars this hot. However, many do drive in cities, where driving times are considered to be more of a “stop-and-go” nature, which may be considered “extreme” in many circumstances. When the time comes for you to make a decision, at least you’ll be informed of the differences of each. And, until that time, no matter what, keep up that automotive pride!
About the Author
Michael Walker is a freelance author providing tips and hints on engine related topics such as JDM motors, used import engines and engine swaps. His articles are a valuable source of information for the auto enthusiast.
by: Michael Walker
One central argument between car enthusiasts and on Internet car forums alike is what oil is better for your car, synthetic or conventional. Before synthetic oils became available for regular automobiles, the argument centered solely on brand types and weight. But now, with the advent of these synthetics all over the market, what is truly the best choice for your engine? Let’s explore both of these worlds to find out.
Conventional oil is rated according to a SAE system. This scale is used so that you know what type of oil is best for your car given the environmental conditions (temperature, city driving, etc.) of where you live. The first number, for example on 10W30 motor oil, is 10 followed by a “W”. This “W” indicates that the number before it is the viscosity rating of the oil. The lower this number, the better the oil is for colder climates. The higher the number, the better it is for hotter driving conditions.
Synthetic oils, on the other hand (before their commercial release) were used in many military vehicles and fighter jets. Airlines also use synthetics in their engines. The synthetic oil has been designed not to break down as quickly and can tolerate extremities in temperature and weather (hot to cold).
One of the major differences between conventional and synthetic oils is that synthetics are treated with more additives that protect your engine for a longer amount of time before you have to change it. And, while we don’t want to get into all the molecular chemistry involved in the making of these oils, we should mention that they also last longer in hotter conditions and won’t “gel” in colder ones, like conventional oil. In other words, synthetics have more additives, which greatly protect the car from viscosity breakdown. They are designed to withstand temperature extremes. It may be safe to say that extreme driving conditions call for the use of synthetics.
On the financial side of the matter, synthetics cost a whole lot more; up to three or four times as much as regular conventional oil. But, the wonderful thing is that you don’t have to change your oil every 3,000 miles; recommended with conventional oil use. In fact, you may not have to change it until well after 25,000 and up to 50,000 miles as long as the oil filter is changed every 10,000 miles. So, the cost at first might scare consumers away, but the long-term benefits of synthetic oil use are substantial.
However, you will still have to be responsible for your car’s maintenance check-up every 3,000 miles or so. With regular oil-changes, you are automatically checking over the car for other problems (or if you don’t an inspection mechanic does). It might help you find a problem that could be dealt with, that could’ve gone unchecked. Also, you’ll want to check the synthetic oil every now and then to be sure that it isn’t contaminated and/or that there isn’t any moisture build-up.
With normal everyday driving, perhaps conventional oils work best for you. You aren’t driving in extreme conditions and you swear allegiance to regular oil. That may be fine. Synthetic oil cannot really offer you anything that conventional oil cannot under normal operating conditions. However, the definition of extreme driving states that if you do a lot of short driving (two to twenty miles) daily, it’s hard on your car. And, specialists agree that this constitutes extreme driving due to the faster breakdown of the structure of conventional oil.
Another major reason that many are choosing the synthetic route is that it contains fewer impurities; impurities that can cause your engine harm, perhaps to the point of premature engine wear. With conventional oil, there’s no way to totally rid, filter or clean the impurities from the natural elements. That’s another reason why synthetic oils do not have to be changed as much even in extreme driving conditions.
You’ll want to be careful; however, if you do decide that you want to give synthetic oils a try. If you’ve been driving your 1983 Ford Thunderbird for years using 10W30, you may not want to switch using your conventional oil brand.
Conventional oils have solvents that stick to gaskets and seals and often cause them to swell a certain way. These gaskets and seals have been used to the same oil for years and the switch to any other type of oil (whether it is to a different conventional oil brand, or an upgrade to a synthetic) may be harmful. The oil you change (or upgrade to) will also have solvents and additives, different from the original. So in other terms, the changing of oils could result in oil leaks and/or a once small oil leak becoming bigger due to the reaction the seals and gaskets will have to the change (not because of the oil itself). If you think that this might be the case for you (i.e. if you have an older car using conventional oil), it’s recommended that you not try synthetic oil until you have an engine (or new car) with relatively virgin gaskets and seals that will be able to acclimate much more easily to the chemical changes of the newer type of oil.
It’s easy to see that that fanfare for one or the other is an argument that has really been explored. It’s best for you to decide what will fit your personal needs. If you have an older car, you may want to wait until you upgrade. However, if you have a newer car, the benefits of synthetic oils are easily seen. Again, it’s solely dependent upon you and the conditions where you drive. Synthetics are shown to provide their best protection above 250 degrees Fahrenheit. Most people do not drive their cars this hot. However, many do drive in cities, where driving times are considered to be more of a “stop-and-go” nature, which may be considered “extreme” in many circumstances. When the time comes for you to make a decision, at least you’ll be informed of the differences of each. And, until that time, no matter what, keep up that automotive pride!
About the Author
Michael Walker is a freelance author providing tips and hints on engine related topics such as JDM motors, used import engines and engine swaps. His articles are a valuable source of information for the auto enthusiast.
Young Drivers Need Winter Practice
Young Drivers Need Winter Practice
by: News Canada
(NC)—One of the more nerve-wrecking experiences of parenthood occurs when your teenager first earns his or her license to drive. While many parts of Canada have ensured that new drivers be accompanied with a more experienced driver in the vehicle, it's important that parents take some time to share safety tips with their teenagers.
Learning to drive is challenging enough. When you throw snow, ice and slush into the driving mix, it can catch new drivers off guard. Therefore, passing along winter driving wisdom to your teens is especially crucial.
"Since you probably own the car your teenager is driving, you should ensure that it is prepared for winter-weather," says Tony Mougios, Michelin Brand Manager in Canada. "Part of that preparation involves installing four winter tires on the vehicle. Winter tires will enhance the safety and performance of your vehicle and allow whoever is driving to maintain greater control in winter conditions."
For those parents whose teens are about to take to the road for the first time this winter, Michelin offers these tips for teaching young drivers to prepare for and cope with winter's challenges.
* Winter weather puts your vehicle's mechanical systems and performance to the ultimate test, and demands that your vehicle is in excellent condition. Make sure that your tires and all mechanical systems, including your brakes, are in top working order.
* Take your new driver to a vacant, snow or ice covered parking lot where you can safely practice slow-speed manoeuvres.
* A novice driver's first on-the-road experience with winter-weather driving should not be during a major blizzard. Ensure he/she waits until conditions are less severe.
* If possible, have your teenager practice driving on slippery roads in daylight only. Exposure to slippery roads at night should be limited until beginners have gained more experience driving in various types of winter weather. • Maintain a safe driving distance from the vehicle in front of you.
* Make sure the speed limit is observed and respected.
* Transform the trunk of your vehicle into a winter survival kit by filling it with essential emergency equipment including a flashlight, blankets, jumper cables, sand and a small shovel or ice scraper.
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
(NC)—One of the more nerve-wrecking experiences of parenthood occurs when your teenager first earns his or her license to drive. While many parts of Canada have ensured that new drivers be accompanied with a more experienced driver in the vehicle, it's important that parents take some time to share safety tips with their teenagers.
Learning to drive is challenging enough. When you throw snow, ice and slush into the driving mix, it can catch new drivers off guard. Therefore, passing along winter driving wisdom to your teens is especially crucial.
"Since you probably own the car your teenager is driving, you should ensure that it is prepared for winter-weather," says Tony Mougios, Michelin Brand Manager in Canada. "Part of that preparation involves installing four winter tires on the vehicle. Winter tires will enhance the safety and performance of your vehicle and allow whoever is driving to maintain greater control in winter conditions."
For those parents whose teens are about to take to the road for the first time this winter, Michelin offers these tips for teaching young drivers to prepare for and cope with winter's challenges.
* Winter weather puts your vehicle's mechanical systems and performance to the ultimate test, and demands that your vehicle is in excellent condition. Make sure that your tires and all mechanical systems, including your brakes, are in top working order.
* Take your new driver to a vacant, snow or ice covered parking lot where you can safely practice slow-speed manoeuvres.
* A novice driver's first on-the-road experience with winter-weather driving should not be during a major blizzard. Ensure he/she waits until conditions are less severe.
* If possible, have your teenager practice driving on slippery roads in daylight only. Exposure to slippery roads at night should be limited until beginners have gained more experience driving in various types of winter weather. • Maintain a safe driving distance from the vehicle in front of you.
* Make sure the speed limit is observed and respected.
* Transform the trunk of your vehicle into a winter survival kit by filling it with essential emergency equipment including a flashlight, blankets, jumper cables, sand and a small shovel or ice scraper.
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Young Driver Car Insurance
Young Driver Car Insurance
by: Andrew Bowen
It has become increasingly difficult to get young driver car insurance in the UK. The reason behind this is because the statistics for young drivers having a car accident are not very good. By definition, young drivers have very little experience of driving and thus have a greater chance of having a bump in their vehicle. Car insurance companies are obviously in business to make money and are understandably reluctant to insure such drivers. In most cases, companies will either offer a policy at a very high premium or refuse to insure the person altogether.
However, there are ways to lower your premium. First of all you should purchase a car that has a low insurance group number. Insurance group numbers range from 1 - 20. Generally speaking the higher the number the higher your premium is likely to be. This is because cars with high insurance group numbers usually have bigger engines, are more expensive and go faster. A low insurance group vehicle will lower the premium for a young driver policy. Young drivers should also be encouraged to take an advanced driving test. Some companies look favourably on drivers who take this test as they are seen as more responsible and more careful about their driving. Finally, opting for third party fire and theft or third party only cover also lowers your quote. If you have purchased a vehicle that does not cost very much money then you should seriously consider whether or not you need a fully comprehensive policy.
Getting cheaper quotes for young drivers can still be tricky. However, http://www.acceptdirect.co.uk have a special option that is aimed at this particular market and can save you a lot of money on your insurance quote.
Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk
About The Author
Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurance to UK customers through their website http://www.acceptdirect.co.uk
by: Andrew Bowen
It has become increasingly difficult to get young driver car insurance in the UK. The reason behind this is because the statistics for young drivers having a car accident are not very good. By definition, young drivers have very little experience of driving and thus have a greater chance of having a bump in their vehicle. Car insurance companies are obviously in business to make money and are understandably reluctant to insure such drivers. In most cases, companies will either offer a policy at a very high premium or refuse to insure the person altogether.
However, there are ways to lower your premium. First of all you should purchase a car that has a low insurance group number. Insurance group numbers range from 1 - 20. Generally speaking the higher the number the higher your premium is likely to be. This is because cars with high insurance group numbers usually have bigger engines, are more expensive and go faster. A low insurance group vehicle will lower the premium for a young driver policy. Young drivers should also be encouraged to take an advanced driving test. Some companies look favourably on drivers who take this test as they are seen as more responsible and more careful about their driving. Finally, opting for third party fire and theft or third party only cover also lowers your quote. If you have purchased a vehicle that does not cost very much money then you should seriously consider whether or not you need a fully comprehensive policy.
Getting cheaper quotes for young drivers can still be tricky. However, http://www.acceptdirect.co.uk have a special option that is aimed at this particular market and can save you a lot of money on your insurance quote.
Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk
About The Author
Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurance to UK customers through their website http://www.acceptdirect.co.uk
You Have A Legitimate Insurance Claim But You Foolishly Got Yourself A Legal Begal - - Now What?
You Have A Legitimate Insurance Claim But You Foolishly Got Yourself A Legal Begal - - Now What?
by: Dan Baldyga
YOU MUST STAY ON TOP OF THAT HOUND DOG FOR TWO HUGE REASONS: First because that's the only way to make sure he does his job correctly. If you don't watch him like a hawk you could end up on the short end of a very long stick! And second, because most Legal Beagles think they’re overworked (if you don’t think so just ask them!) and they incorrectly feel they don’t have the time to spend on your case today, tomorrow or even six months from now. The truth is you’ve signed his Contingency Fee Agreement so he knows you’re in his back pocket and someday, when he decides to make his move, you’re still locked in. Most have convinced themselves they’re too busy to fuss with your case for awhile. Unless you bug them on a regular basis they’ll let years drag on before it gets settled.
If you've entrusted your case to one of the larger Legal Beagle dog houses in town (a big mistake) you've probably been passed on to a fumbling puppy just out of law school. Huge firms handle thousand’s of top-dollar cases. Yours will be on a slow assembly line with that puppy sniffin’ at pant legs and nippin' at heels, acting as though he knows what he's doing. You gotta stay close because the youngster you've been stuck with has little experience and he usually doesn't have the foggiest idea how to properly handle your claim.
You must stay active, throughout the whole process, no matter which Legal Beagle you hire. Demand that you receive copies of all correspondence that are sent out on your behalf, request you be copied in on everything sent to your Beagle from the insurance company or its lawyers, and insist on eye-balling the medical records sent to your lawyer (by your attending physician, the hospital emergency room, etc.) to make sure they're correct. (If they don't go into detail than the typically sloppy reporting, by attending physicians and other medical people, will be bedding you down with a rattler. If you don’t want to die of snake bite you must return those Medical Report’s to your "doc" and tell him he's gotta be more specific or you're gonna end up with a helluva lot less money than you should!).
The only way you'll ever be sure your Beagle is being straight with you is if you insist on all of the above. Also, if your lawyer knows you're keeping close tabs on your case, he’ll put it on the "front burner", keeping it off the "back burner" - - where the majority of his cases are usually cooking - - under a very low flame.
You must know what's going on with your case at all times and if you’re considered to be a pain in the butt than so be it. Make it known to your Beagle that you're not going to let your case disappear into a bottomless pit . What I'm telling you here is very simple: Don't let your case drag on and on. If you stay on top of things it'll get settled much sooner!
When your medical treatment is finished tell your Beagle and insist that he immediately gather up your records, and organize them into a "Settlement Package". What I mean by that is, a collection of your medical bills and reports, a list of all physical damages, with a thorough explanation of each, etc. Once done your lawyer should get that into the insurance company's hands just as soon as possible.
The first settlement offer should be made to him no later than 3 weeks after that "package" has been sent to the insurance company. If it isn't find out why. Be a pest, call that Beagle and push him. Your case should be settled within 6 weeks. If it isn't you tell your lawyer, "Sue the bugger‘s." To do that should take no more than an hour or two to complete - - even the puppy can do it. Those papers should be ready in a week. It's not asking too much for the suite to be filed by the time another week passes. But, this will only happen if your Beagle is humping away and staying on top of things. Lawyers need to be pushed by their clients or they'll sit on their butt's doing other "stuff". Most of them wait forever to move on a case when they could have had the job done in several months.
DISSATISFACTION WITH YOUR LAWYER: "The first thing we do, let's kill all the lawyers." Those words, written several hundred years ago by Shakespeare, still sums up the feelings of a lot of people. That's because Legal Beagle's don't bother touching base with their client's. Telephone messages aren't answered right away - - sometimes never. The way most lawyers treat their clients leaves them feeling ignored and powerless!
So, what’s the solution? A “Give Him Hell” letter to your lawyer, sent Certified Mail Return Receipt Requested, will get his attention, and in most cases (unless he’s a blazing idiot which some of them are) assure a prompt phone call. The letter should clearly state your complaints, and also your thoughts about hiring a new attorney - - quick like a bunny - - if the necessary steps aren’t taken.
CHANGING LAWYERS: This is a very difficult move so it must be well thought out. The following are some facts you must be aware of:
The new lawyer will ask you to contact the old lawyer telling him to turn your file over. If you have foolishly agreed to pay some of your old attorney’s costs (above and beyond the Contingency Fee Agreement you’ve signed) the two of them will have to work that out. The old lawyer may agree to wait and not be paid his costs until the new lawyer has settled your case, but (and this is usually the way that ball bounces) he may not! If that’s the situation you may have to pony up some big bucks before he turns your case over to the new lawyer.
The new Legal Beagle will want to review the file a soon as possible to determine if he wants to take it on. If it looks like some money can be made, the new lawyer may take it, but that’s a long shot. Why? Because your case has to be an outstanding “goodie” - - with a huge payoff potential for the lawyer’s “Contingency Fee”. Both Beagle’s (and there’s no way out of this one) will have to split that fee. If there’s not enough money to go around the second lawyer won’t be interested in taking you case. If that happens, you’re gonna be left with an upset attorney. Chances are he’ll let your case slip into
Limbo for years to come. That’s the risk you take when you try to dump your Beagle. Insurance companies react in various ways to a change in lawyers. They may view the switch as a sign that your case, or you, are a “problem”. There’s no doubt that the switch will tell the insurance company something is wrong. If they smell smoke, they’ll suspect a fire is probably blazing. This can result in an increased reluctance to settle. On the other had, the new lawyer may breath needed energy into the case, causing the insurance company to start thinking seriously about settlement - - but that’s a long shot. I wouldn’t bet on it.
THE BOTTOM LINE
Be sure to pick a good Legal Beagle to begin with, because you’re probably gonna be stuck with that hound dog right to the bitter end!
DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ARTICLECITY.COM make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY TO OBTAIN SAID SERVICES.
Dan Baldyga’s fourth and latest book Auto Accident Personal Injury Insurance Claim: (How To Evaluate And Settle Your Loss) can be found on the internet at http//.www.autoaccidentclaims.com or http://www.caraccidentclaims.com.
Copyright (c) 2003 Daniel G. Baldyga. All Rights Reserved.
About The Author
For 30 years Dan Balddyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle claims so they will not be taken advantage of..
dbpaw@comcast.net
by: Dan Baldyga
YOU MUST STAY ON TOP OF THAT HOUND DOG FOR TWO HUGE REASONS: First because that's the only way to make sure he does his job correctly. If you don't watch him like a hawk you could end up on the short end of a very long stick! And second, because most Legal Beagles think they’re overworked (if you don’t think so just ask them!) and they incorrectly feel they don’t have the time to spend on your case today, tomorrow or even six months from now. The truth is you’ve signed his Contingency Fee Agreement so he knows you’re in his back pocket and someday, when he decides to make his move, you’re still locked in. Most have convinced themselves they’re too busy to fuss with your case for awhile. Unless you bug them on a regular basis they’ll let years drag on before it gets settled.
If you've entrusted your case to one of the larger Legal Beagle dog houses in town (a big mistake) you've probably been passed on to a fumbling puppy just out of law school. Huge firms handle thousand’s of top-dollar cases. Yours will be on a slow assembly line with that puppy sniffin’ at pant legs and nippin' at heels, acting as though he knows what he's doing. You gotta stay close because the youngster you've been stuck with has little experience and he usually doesn't have the foggiest idea how to properly handle your claim.
You must stay active, throughout the whole process, no matter which Legal Beagle you hire. Demand that you receive copies of all correspondence that are sent out on your behalf, request you be copied in on everything sent to your Beagle from the insurance company or its lawyers, and insist on eye-balling the medical records sent to your lawyer (by your attending physician, the hospital emergency room, etc.) to make sure they're correct. (If they don't go into detail than the typically sloppy reporting, by attending physicians and other medical people, will be bedding you down with a rattler. If you don’t want to die of snake bite you must return those Medical Report’s to your "doc" and tell him he's gotta be more specific or you're gonna end up with a helluva lot less money than you should!).
The only way you'll ever be sure your Beagle is being straight with you is if you insist on all of the above. Also, if your lawyer knows you're keeping close tabs on your case, he’ll put it on the "front burner", keeping it off the "back burner" - - where the majority of his cases are usually cooking - - under a very low flame.
You must know what's going on with your case at all times and if you’re considered to be a pain in the butt than so be it. Make it known to your Beagle that you're not going to let your case disappear into a bottomless pit . What I'm telling you here is very simple: Don't let your case drag on and on. If you stay on top of things it'll get settled much sooner!
When your medical treatment is finished tell your Beagle and insist that he immediately gather up your records, and organize them into a "Settlement Package". What I mean by that is, a collection of your medical bills and reports, a list of all physical damages, with a thorough explanation of each, etc. Once done your lawyer should get that into the insurance company's hands just as soon as possible.
The first settlement offer should be made to him no later than 3 weeks after that "package" has been sent to the insurance company. If it isn't find out why. Be a pest, call that Beagle and push him. Your case should be settled within 6 weeks. If it isn't you tell your lawyer, "Sue the bugger‘s." To do that should take no more than an hour or two to complete - - even the puppy can do it. Those papers should be ready in a week. It's not asking too much for the suite to be filed by the time another week passes. But, this will only happen if your Beagle is humping away and staying on top of things. Lawyers need to be pushed by their clients or they'll sit on their butt's doing other "stuff". Most of them wait forever to move on a case when they could have had the job done in several months.
DISSATISFACTION WITH YOUR LAWYER: "The first thing we do, let's kill all the lawyers." Those words, written several hundred years ago by Shakespeare, still sums up the feelings of a lot of people. That's because Legal Beagle's don't bother touching base with their client's. Telephone messages aren't answered right away - - sometimes never. The way most lawyers treat their clients leaves them feeling ignored and powerless!
So, what’s the solution? A “Give Him Hell” letter to your lawyer, sent Certified Mail Return Receipt Requested, will get his attention, and in most cases (unless he’s a blazing idiot which some of them are) assure a prompt phone call. The letter should clearly state your complaints, and also your thoughts about hiring a new attorney - - quick like a bunny - - if the necessary steps aren’t taken.
CHANGING LAWYERS: This is a very difficult move so it must be well thought out. The following are some facts you must be aware of:
The new lawyer will ask you to contact the old lawyer telling him to turn your file over. If you have foolishly agreed to pay some of your old attorney’s costs (above and beyond the Contingency Fee Agreement you’ve signed) the two of them will have to work that out. The old lawyer may agree to wait and not be paid his costs until the new lawyer has settled your case, but (and this is usually the way that ball bounces) he may not! If that’s the situation you may have to pony up some big bucks before he turns your case over to the new lawyer.
The new Legal Beagle will want to review the file a soon as possible to determine if he wants to take it on. If it looks like some money can be made, the new lawyer may take it, but that’s a long shot. Why? Because your case has to be an outstanding “goodie” - - with a huge payoff potential for the lawyer’s “Contingency Fee”. Both Beagle’s (and there’s no way out of this one) will have to split that fee. If there’s not enough money to go around the second lawyer won’t be interested in taking you case. If that happens, you’re gonna be left with an upset attorney. Chances are he’ll let your case slip into
Limbo for years to come. That’s the risk you take when you try to dump your Beagle. Insurance companies react in various ways to a change in lawyers. They may view the switch as a sign that your case, or you, are a “problem”. There’s no doubt that the switch will tell the insurance company something is wrong. If they smell smoke, they’ll suspect a fire is probably blazing. This can result in an increased reluctance to settle. On the other had, the new lawyer may breath needed energy into the case, causing the insurance company to start thinking seriously about settlement - - but that’s a long shot. I wouldn’t bet on it.
THE BOTTOM LINE
Be sure to pick a good Legal Beagle to begin with, because you’re probably gonna be stuck with that hound dog right to the bitter end!
DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ARTICLECITY.COM make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY TO OBTAIN SAID SERVICES.
Dan Baldyga’s fourth and latest book Auto Accident Personal Injury Insurance Claim: (How To Evaluate And Settle Your Loss) can be found on the internet at http//.www.autoaccidentclaims.com or http://www.caraccidentclaims.com.
Copyright (c) 2003 Daniel G. Baldyga. All Rights Reserved.
About The Author
For 30 years Dan Balddyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle claims so they will not be taken advantage of..
dbpaw@comcast.net
World Class Honda Car Parts Sold By Partstrain
World Class Honda Car Parts Sold By Partstrain
by: Jenny Mc Lane
Honda customers are among the most satisfied in the car industry is revealed this week in the latest J.D. Power and Associates Automotive Customer Satisfaction Study published in the June edition of What Car?
Achieving high customer satisfaction is a top priority for us and we are firmly committed to enhancing the customer experience,” says Honda (UK)’s Customer Insight Manager, Jane Nichols. “To this end, the J.D. Power and Associates Study is an important measuring tool, enabling us quickly to identify the things that really matter to the customer. We are greatly encouraged by our success, especially since this year’s study reflects steps we have recently taken to reduce ownership costs.”
Finding the right Honda car for you feels pretty good and so is finding the right car parts. You simply can't go wrong with the safe and reliable Honda car parts from Partstrain.
Partstrain has a wide array of Honda car parts from headlights, filters, hoses, belts, condensers, catalytic converters, transmissions, engine parts, Honda Altezza lights, radiators, suspension, chassis parts, interior parts & accessories, and just about everything you might need for your Honda vehicle.
Honda is synonymous to innovative technology and social responsibility and so is Partsrain, which has served its clients for more than 25 years with impeccable track record. Partsrain gives you the most cost effective Honda car parts for its models like the Accord, Civic, CRV, CRX, Del Sol, Pilot, Odyssey, Insight, Passport, Pilot, S2000, Element and Prelude.
Only a few car parts manufacturers can match the quality that the stock Honda has according to Partstrain and the company boasts of an impressive array of Honda replacement and Honda car parts. Only the finest in the industry at extremely low prices that beats the automotive industry standard is the company's commitment to its customers. Partstrain has a certified secured online store http://www.partstrain.com/ShopByVehicle/HONDA that ships your order right at your doorstep in the soonest possible time.
Like Honda the car manufacturer whose foremost concern is fulfilling the needs of its customers worldwide, Partstrain is strongly committed to the utmost satisfaction of its customer base.
About the Author
Jenny McLane is a 36 year old native of Iowa
and has a knack for research on cars and anything
and everything about it. She works full time as a
Market Analyst for one of the leading car parts suppliers
in the country today.
by: Jenny Mc Lane
Honda customers are among the most satisfied in the car industry is revealed this week in the latest J.D. Power and Associates Automotive Customer Satisfaction Study published in the June edition of What Car?
Achieving high customer satisfaction is a top priority for us and we are firmly committed to enhancing the customer experience,” says Honda (UK)’s Customer Insight Manager, Jane Nichols. “To this end, the J.D. Power and Associates Study is an important measuring tool, enabling us quickly to identify the things that really matter to the customer. We are greatly encouraged by our success, especially since this year’s study reflects steps we have recently taken to reduce ownership costs.”
Finding the right Honda car for you feels pretty good and so is finding the right car parts. You simply can't go wrong with the safe and reliable Honda car parts from Partstrain.
Partstrain has a wide array of Honda car parts from headlights, filters, hoses, belts, condensers, catalytic converters, transmissions, engine parts, Honda Altezza lights, radiators, suspension, chassis parts, interior parts & accessories, and just about everything you might need for your Honda vehicle.
Honda is synonymous to innovative technology and social responsibility and so is Partsrain, which has served its clients for more than 25 years with impeccable track record. Partsrain gives you the most cost effective Honda car parts for its models like the Accord, Civic, CRV, CRX, Del Sol, Pilot, Odyssey, Insight, Passport, Pilot, S2000, Element and Prelude.
Only a few car parts manufacturers can match the quality that the stock Honda has according to Partstrain and the company boasts of an impressive array of Honda replacement and Honda car parts. Only the finest in the industry at extremely low prices that beats the automotive industry standard is the company's commitment to its customers. Partstrain has a certified secured online store http://www.partstrain.com/ShopByVehicle/HONDA that ships your order right at your doorstep in the soonest possible time.
Like Honda the car manufacturer whose foremost concern is fulfilling the needs of its customers worldwide, Partstrain is strongly committed to the utmost satisfaction of its customer base.
About the Author
Jenny McLane is a 36 year old native of Iowa
and has a knack for research on cars and anything
and everything about it. She works full time as a
Market Analyst for one of the leading car parts suppliers
in the country today.
Winter Tire Myths Revealed
Winter Tire Myths Revealed
by: News Canada
(NC) —True or false – your vehicle is only as good as the tires it sits on? While you may have your own opinion on this, Michelin believes that tires are an essential part of your vehicle's safety, handling and performance.
Tire manufacturers like Michelin, as well as associations like Transport Canada and the Rubber Association of Canada, are working to increase awareness of the importance of tires as well as dispelling some common tire myths.
"The biggest tire myth is that they are a low-tech commodity," explains Tony Mougios, Michelin Brand Manager in Canada. "The reality is that advancements in tire technology have improved the quality and performance of today's tires. Few people seem to realize the additional safety obtained from installing four winter tires on their vehicles."
The following is a basic example of a common winter tire myth.
Myth: All-season tires are so good that winter tires are never needed.
Reality: In some parts of the world, where temperatures and snowfalls are moderate, this may be true. But this is Canada – our winter weather is unpredictable and can be harsh. Just ask anyone from Halifax who endured the city's record snowfalls last winter.
The reality is that harsh winter conditions can appear anywhere in Canada, and when they do, the traction and added safety provided by winter tires cannot be beat. Winter tires reign supreme in rural areas where snow can remain on the road for extended periods of time. They provide 25 per cent improved traction over all-season tires.
To learn more about the advantages of winter tires and other advancements in tire technology, visit a local authorized Michelin dealer or visit www.michelin.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
(NC) —True or false – your vehicle is only as good as the tires it sits on? While you may have your own opinion on this, Michelin believes that tires are an essential part of your vehicle's safety, handling and performance.
Tire manufacturers like Michelin, as well as associations like Transport Canada and the Rubber Association of Canada, are working to increase awareness of the importance of tires as well as dispelling some common tire myths.
"The biggest tire myth is that they are a low-tech commodity," explains Tony Mougios, Michelin Brand Manager in Canada. "The reality is that advancements in tire technology have improved the quality and performance of today's tires. Few people seem to realize the additional safety obtained from installing four winter tires on their vehicles."
The following is a basic example of a common winter tire myth.
Myth: All-season tires are so good that winter tires are never needed.
Reality: In some parts of the world, where temperatures and snowfalls are moderate, this may be true. But this is Canada – our winter weather is unpredictable and can be harsh. Just ask anyone from Halifax who endured the city's record snowfalls last winter.
The reality is that harsh winter conditions can appear anywhere in Canada, and when they do, the traction and added safety provided by winter tires cannot be beat. Winter tires reign supreme in rural areas where snow can remain on the road for extended periods of time. They provide 25 per cent improved traction over all-season tires.
To learn more about the advantages of winter tires and other advancements in tire technology, visit a local authorized Michelin dealer or visit www.michelin.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Why You Don't Get Things Done - And How You Can!
Why You Don't Get Things Done - And How You Can!
by: Martin Avis
We humans are a funny lot. We are so diverse that any
generalization usually has more exceptions than you can
count. And that generalization is no different!
Having said that, let's look at some of the underlying
reasons why we procrastinate and prevaricate.
1. I'm bored.
2. That looks more interesting.
3. It is too hard.
4. I'm afraid of failure.
5. I'm afraid of success.
6. I'm not worthy.
Not an exhaustive list, perhaps, but probably six of
the most common reasons for not getting things done.
In order to really start achieving your potential, you
must first analyze yourself to determine which of the
factors (or which combination) apply to you.
Only then can you start to construct strategies to
combat them.
In general, though, the solutions are either internal
or external. If you find that you are a person who
needs help in finishing a task, that help must either
come from yourself or from others.
Internal spurs are such things as the promise of a
reward when the job is done - a candy bar or a new
outfit, you have to decide what is a fitting reward for
yourself.
External spurs tend to be of the 'keep me honest' kind.
Appoint a close friend with whom you can share your
plans. This person becomes the guardian of your honesty
and will call you regularly while your project is in
hand, to check on progress and to keep you on track. It
may sound very simple, but it works.
The secret to either the internal or external
motivation is in setting realistic goals.
"How do you eat an elephant? - One bite at a time."
A friend's son was panicking recently because he had
been set a project at college which had thrown his mind
into turmoil.
"I've got to write a 100 page project on the history of
automotive design," he told me despondently, "and I've
only got 4 weeks to complete it!"
"Can you think of 28 different subject headings?" I
asked him.
"Sure, that's easy ... different design styles, the
history of design, materials developments, what has
sold and what hasn't ... gosh, there are at least ten
famous designers that I can think of off the top of my
head who should be included ... that's part of the
problem - it is way too complicated!"
"Here is what you do," I answered. "Spend an hour right
now writing down every topic you might want to cover.
Don't leave anything out. It doesn't matter if you
reach hundreds. Then, when you've got them all down,
group them together so that they come under the
headings 'who', 'what', 'why', 'where' and 'when'. Your
goal is to end up with not one huge, daunting project,
but 28 tiny, easy ones. Then, when you have done that,
get out your diary and put one mini project against
each day for the next 28 days. Work it out - each mini
project will need about 4 pages work from you. Can you
manage 4 pages?"
"Sure, 4 pages is easy."
And that was what he did. I called him once a week for
the next 4 weeks to check his progress, but he didn't
really need much help. Just the knowledge that I was
going to call on Saturday morning kept him on track.
His 100 page project ended up at 130 pages in the end.
And not a single page of it was waffle. He handed it on
time and received an 'A' for his efforts.
All that goes to show that the solution is inside you
all the time, but sometimes it just need a little help
fighting past the panic that pushes it back inside.
A big task is the ultimate in panic inducers. So don't
do big tasks ... do lots of small ones. You will spend
a lot less time fretting and a lot more time being
constructive. And you'll have more time to relax.
The wise old bird, Seneca spoke the truth when he said,
"While we are postponing, life speeds by."
About the Author
Martin Avis is a management and training consultant.
To get your unfair advantage in Internet marketing,
business and personal success, (and 6 free gifts),
subscribe to his free weekly newsletter, BizE-zine.
mailto:subscribe5@BizE-zine.com or visit his
information-packed website at http://www.BizE-zine.com
by: Martin Avis
We humans are a funny lot. We are so diverse that any
generalization usually has more exceptions than you can
count. And that generalization is no different!
Having said that, let's look at some of the underlying
reasons why we procrastinate and prevaricate.
1. I'm bored.
2. That looks more interesting.
3. It is too hard.
4. I'm afraid of failure.
5. I'm afraid of success.
6. I'm not worthy.
Not an exhaustive list, perhaps, but probably six of
the most common reasons for not getting things done.
In order to really start achieving your potential, you
must first analyze yourself to determine which of the
factors (or which combination) apply to you.
Only then can you start to construct strategies to
combat them.
In general, though, the solutions are either internal
or external. If you find that you are a person who
needs help in finishing a task, that help must either
come from yourself or from others.
Internal spurs are such things as the promise of a
reward when the job is done - a candy bar or a new
outfit, you have to decide what is a fitting reward for
yourself.
External spurs tend to be of the 'keep me honest' kind.
Appoint a close friend with whom you can share your
plans. This person becomes the guardian of your honesty
and will call you regularly while your project is in
hand, to check on progress and to keep you on track. It
may sound very simple, but it works.
The secret to either the internal or external
motivation is in setting realistic goals.
"How do you eat an elephant? - One bite at a time."
A friend's son was panicking recently because he had
been set a project at college which had thrown his mind
into turmoil.
"I've got to write a 100 page project on the history of
automotive design," he told me despondently, "and I've
only got 4 weeks to complete it!"
"Can you think of 28 different subject headings?" I
asked him.
"Sure, that's easy ... different design styles, the
history of design, materials developments, what has
sold and what hasn't ... gosh, there are at least ten
famous designers that I can think of off the top of my
head who should be included ... that's part of the
problem - it is way too complicated!"
"Here is what you do," I answered. "Spend an hour right
now writing down every topic you might want to cover.
Don't leave anything out. It doesn't matter if you
reach hundreds. Then, when you've got them all down,
group them together so that they come under the
headings 'who', 'what', 'why', 'where' and 'when'. Your
goal is to end up with not one huge, daunting project,
but 28 tiny, easy ones. Then, when you have done that,
get out your diary and put one mini project against
each day for the next 28 days. Work it out - each mini
project will need about 4 pages work from you. Can you
manage 4 pages?"
"Sure, 4 pages is easy."
And that was what he did. I called him once a week for
the next 4 weeks to check his progress, but he didn't
really need much help. Just the knowledge that I was
going to call on Saturday morning kept him on track.
His 100 page project ended up at 130 pages in the end.
And not a single page of it was waffle. He handed it on
time and received an 'A' for his efforts.
All that goes to show that the solution is inside you
all the time, but sometimes it just need a little help
fighting past the panic that pushes it back inside.
A big task is the ultimate in panic inducers. So don't
do big tasks ... do lots of small ones. You will spend
a lot less time fretting and a lot more time being
constructive. And you'll have more time to relax.
The wise old bird, Seneca spoke the truth when he said,
"While we are postponing, life speeds by."
About the Author
Martin Avis is a management and training consultant.
To get your unfair advantage in Internet marketing,
business and personal success, (and 6 free gifts),
subscribe to his free weekly newsletter, BizE-zine.
mailto:subscribe5@BizE-zine.com or visit his
information-packed website at http://www.BizE-zine.com
Why use an air ratchet wrench?
Why use an air ratchet wrench?
by: Jason Miller
I must admit that at first I thought an air ratchet was a poor man's impact wrench. I couldn't have been more wrong! Basically an air ratchet wrench is more powerful version of your trusty handheld socket set. However, after using this air tool a few times, you be tempted to throw that old socket set in the trash. A 3/8" Ingersoll Rand air ratchet wrench is great tool to start with in your collection. You can get this tool into tight places in your car and get those tough nuts loosened. I remember many bloodied knuckles trying get some leverage on my hand held socket set. Those days are over with this air tool. Using an air ratchet wrench is like going from an old handheld screwdriver to an 18v cordless drill. It’s a world of difference and easy to use. The sockets are just like the ones in your socket set and snap right on to the tool. Just give it a try on your next automotive garage project and you will see the difference. If you really get crazy, try an Ingersoll Rand IR111 Knuckle Saver 3/8 Reactionless Air Ratchet Wrench. This revolutionary Reactionless Ratchet has a unique reactionless mechanism. It makes gearing unnecessary and it absorbs kickback when the nut runs tight. It is one of the fastest ratchets you can buy and delivers up to 50 ft.-lbs. maximum torque
About the Author
Jason is the webmaster for Red Hill Supply - Online Air Tools
Air Sand,Air Tools, and More - Red Hill Supply
by: Jason Miller
I must admit that at first I thought an air ratchet was a poor man's impact wrench. I couldn't have been more wrong! Basically an air ratchet wrench is more powerful version of your trusty handheld socket set. However, after using this air tool a few times, you be tempted to throw that old socket set in the trash. A 3/8" Ingersoll Rand air ratchet wrench is great tool to start with in your collection. You can get this tool into tight places in your car and get those tough nuts loosened. I remember many bloodied knuckles trying get some leverage on my hand held socket set. Those days are over with this air tool. Using an air ratchet wrench is like going from an old handheld screwdriver to an 18v cordless drill. It’s a world of difference and easy to use. The sockets are just like the ones in your socket set and snap right on to the tool. Just give it a try on your next automotive garage project and you will see the difference. If you really get crazy, try an Ingersoll Rand IR111 Knuckle Saver 3/8 Reactionless Air Ratchet Wrench. This revolutionary Reactionless Ratchet has a unique reactionless mechanism. It makes gearing unnecessary and it absorbs kickback when the nut runs tight. It is one of the fastest ratchets you can buy and delivers up to 50 ft.-lbs. maximum torque
About the Author
Jason is the webmaster for Red Hill Supply - Online Air Tools
Air Sand,Air Tools, and More - Red Hill Supply
Why to register md-domains
Why to register md-domains
by: Hans Peter Oswald
What is .md?
.md is the web address that identifies you, your company or your organization with the healthcare industry. Thousands of professionals and companies in the healthcare industry are already utilizing .md for their branding and marketing efforts, including some of the world’s largest pharmaceutical companies. .md is a valuable and unique asset that can be used as an intuitive and dynamic communication tool.
·.md is the perfect web address for medical professionals and healthcare companies
·.md is a permanent professional address
·.md is a dynamic communication tool and distribution channel for participants in the healthcare community
·.md may be used to protect your brands and trademarks to prevent international cyber-squatters from purchasing your domain names and using them for other purposes
·.md may be used as a unique, intuitive, and available promotional tool to market prescription and OTC drugs
.md Focus: Healthcare
We are developing an Internet domain for the global healthcare community where participants in the healthcare sector can acquire valuable .md domain names that correlate precisely with the marketing of their core business practices and new products. .md permits corporations and individuals to establish a unique Internet presence that carries an automatic, intuitive association with healthcare and other medical services and applications.
Growth of the .md Registry
Since becoming operational, there has been significant interest in the .md TLD. The wide adoption of .md, prior to launching a formal .md marketing campaign confirms the need and desire for a top level healthcare centric domain. The number of .md registrations continues to grow exponentially with this exposure.
The leading adopters in the .md registry are:
·Physicians
·Medical Schools
·Private Practices
·Health Clinics
·Drug Development Companies
·Pharmaceutical Companies
·Health Insurance Companies
·Medical Laboratories
Additionally, Fortune 1000 companies have adopted .md as part of their global brand marketing strategy. These include companies from the following industries:
·Telecom
·Banking and Finance
·Entertainment
·Media
·Consulting
·Automotive
·Travel
·Insurance
·Retail
·Technology
Hans Peter Oswald
https://www.domainregistry.de/md-domain.html
About the Author
CEO
ICANN accredited registrar Secura
http://www.com-domains.com
by: Hans Peter Oswald
What is .md?
.md is the web address that identifies you, your company or your organization with the healthcare industry. Thousands of professionals and companies in the healthcare industry are already utilizing .md for their branding and marketing efforts, including some of the world’s largest pharmaceutical companies. .md is a valuable and unique asset that can be used as an intuitive and dynamic communication tool.
·.md is the perfect web address for medical professionals and healthcare companies
·.md is a permanent professional address
·.md is a dynamic communication tool and distribution channel for participants in the healthcare community
·.md may be used to protect your brands and trademarks to prevent international cyber-squatters from purchasing your domain names and using them for other purposes
·.md may be used as a unique, intuitive, and available promotional tool to market prescription and OTC drugs
.md Focus: Healthcare
We are developing an Internet domain for the global healthcare community where participants in the healthcare sector can acquire valuable .md domain names that correlate precisely with the marketing of their core business practices and new products. .md permits corporations and individuals to establish a unique Internet presence that carries an automatic, intuitive association with healthcare and other medical services and applications.
Growth of the .md Registry
Since becoming operational, there has been significant interest in the .md TLD. The wide adoption of .md, prior to launching a formal .md marketing campaign confirms the need and desire for a top level healthcare centric domain. The number of .md registrations continues to grow exponentially with this exposure.
The leading adopters in the .md registry are:
·Physicians
·Medical Schools
·Private Practices
·Health Clinics
·Drug Development Companies
·Pharmaceutical Companies
·Health Insurance Companies
·Medical Laboratories
Additionally, Fortune 1000 companies have adopted .md as part of their global brand marketing strategy. These include companies from the following industries:
·Telecom
·Banking and Finance
·Entertainment
·Media
·Consulting
·Automotive
·Travel
·Insurance
·Retail
·Technology
Hans Peter Oswald
https://www.domainregistry.de/md-domain.html
About the Author
CEO
ICANN accredited registrar Secura
http://www.com-domains.com
Why Highways Are So Important
Why Highways Are So Important
by: News Canada
(NC)—Transportation is fundamental to the prosperity and quality of life of all Canadians. Much of Canada's domestic and international freight is hauled on Canada's 24,400-kilometre National Highway System, the backbone of Canadian trade. In fact, the Canadian transportation system carries more than $1 trillion worth of goods every year.
If our transportation system isn't running smoothly, it affects our quality of life — from how much time we spend commuting, to what is available on store shelves and how much it costs.
While every province and territory is responsible for highway safety by enforcing laws and maintaining highway infrastructure, Transport Canada is investing $600 million under the Strategic Highway Infrastructure Program (SHIP) to improve Canada's highways over five years. It's working with the provinces and territories to identify those parts of the national highway system that — because of growing traffic and increased trade — need immediate attention.
In addition, SHIP includes $100 million to fund initiatives to better integrate our national transportation system. This includes funding to deploy intelligent transportation systems across Canada to improve things such as traffic and cargo flow, traveller information, toll collecting and public transit, and resources to improve traffic flows at border crossings.
Improving the efficiency of border crossings is important to Canada's economic development. For example, the Lacolle-Champlain border crossing forms the most important trade corridor between Quebec and New York State. More than $15 billion worth of exported goods travel through this border crossing annually, with a daily volume of more than 2,000 trucks. A SHIP project is now underway that will improve the flow of people and goods at this vital crossing, as well as enhance safety and security. Similar projects are in place at border crossings in Windsor, Ontario, and in the Lower Mainland of British Columbia.
The Strategic Highway Infrastructure Program (SHIP) supports trade, tourism and investment in Canada; sustains strategic investments in all parts of the country to reflect regional needs; makes the Canadian highway transportation system more reliable, efficient, and technologically advanced; and improves the quality of life of Canadians by promoting safer and more environmentally sustainable transportation.
For more information on SHIP, and Government of Canada highway improvement programs in your area, visit http://www.tc.gc.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
(NC)—Transportation is fundamental to the prosperity and quality of life of all Canadians. Much of Canada's domestic and international freight is hauled on Canada's 24,400-kilometre National Highway System, the backbone of Canadian trade. In fact, the Canadian transportation system carries more than $1 trillion worth of goods every year.
If our transportation system isn't running smoothly, it affects our quality of life — from how much time we spend commuting, to what is available on store shelves and how much it costs.
While every province and territory is responsible for highway safety by enforcing laws and maintaining highway infrastructure, Transport Canada is investing $600 million under the Strategic Highway Infrastructure Program (SHIP) to improve Canada's highways over five years. It's working with the provinces and territories to identify those parts of the national highway system that — because of growing traffic and increased trade — need immediate attention.
In addition, SHIP includes $100 million to fund initiatives to better integrate our national transportation system. This includes funding to deploy intelligent transportation systems across Canada to improve things such as traffic and cargo flow, traveller information, toll collecting and public transit, and resources to improve traffic flows at border crossings.
Improving the efficiency of border crossings is important to Canada's economic development. For example, the Lacolle-Champlain border crossing forms the most important trade corridor between Quebec and New York State. More than $15 billion worth of exported goods travel through this border crossing annually, with a daily volume of more than 2,000 trucks. A SHIP project is now underway that will improve the flow of people and goods at this vital crossing, as well as enhance safety and security. Similar projects are in place at border crossings in Windsor, Ontario, and in the Lower Mainland of British Columbia.
The Strategic Highway Infrastructure Program (SHIP) supports trade, tourism and investment in Canada; sustains strategic investments in all parts of the country to reflect regional needs; makes the Canadian highway transportation system more reliable, efficient, and technologically advanced; and improves the quality of life of Canadians by promoting safer and more environmentally sustainable transportation.
For more information on SHIP, and Government of Canada highway improvement programs in your area, visit http://www.tc.gc.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Why Become A Truck Driver?
Why Become A Truck Driver?
by: Joe Regan
There are a great number of good reasons for someone to become a truck driver. First and foremost among those reasons would be the great pay. Did you realize that most truckers, their first year out on the road, earn an average of $35,000 a year? And, that after just a few years out, those same truckers are making an average of $45,000-$50,000 annually? And finally, veteran drivers who own their own trucks make average salaries that are over $100,000 a year. What other profession can you get into, where the pay is that good?
One other great reason to get into trucking…….. is the chance to see some of this great country of ours. How many states have you been to? Are you one of those people who haven’t been to very many places? Well, get into trucking and you will have the opportunity to explore America. See why most people consider this to be not only the greatest country in the world, but also the most beautiful one as well. What other country has sights like The Grand Canyon, Yellowstone Park, the Great Smoky Mountains, the Pacific Ocean, the Gulf of Mexico, New England in the fall, and so much more? Want to explore America? Become a trucker.
One other great thing about being a trucker is the camaraderie that you feel with your fellow truckers. It’s a special bond, much like the bond that people who are in the military feel. You and your fellow truckers know that you are doing a job that is vital, Vital for the country. For without trucking, we would be in a heap of trouble. Do you have any idea how many products that you use, that are delivered by truck? The percentage of products delivered by truck is around 78%. So think about something that you use (car; food; pharmaceuticals; etc.) and there’s a really good chance that it got to you, by truck.
Trucking is not an easy job. I won’t try to make it seem like it is. For one thing, you’re away from home a lot. But even that, you do have some control over. For example, if you’re the type who likes to be home quite a bit, there are truck driving jobs where the drivers are home every weekend, and in some cases, there are trucking jobs where the drivers are home every night. It must be noted though, that some of those jobs don’t pay as well as the long haul jobs do.
Is trucking for you? Only you can decide that. If you think that it is for you, the first step is to enter a truck driving school. There are great schools located in every region of this country.
About The Author
Joe Regan
Find a Truck Driving School near you. http://www.bubbajunk.com/
You may reproduce this article as long as the authors name and link is provided.
by: Joe Regan
There are a great number of good reasons for someone to become a truck driver. First and foremost among those reasons would be the great pay. Did you realize that most truckers, their first year out on the road, earn an average of $35,000 a year? And, that after just a few years out, those same truckers are making an average of $45,000-$50,000 annually? And finally, veteran drivers who own their own trucks make average salaries that are over $100,000 a year. What other profession can you get into, where the pay is that good?
One other great reason to get into trucking…….. is the chance to see some of this great country of ours. How many states have you been to? Are you one of those people who haven’t been to very many places? Well, get into trucking and you will have the opportunity to explore America. See why most people consider this to be not only the greatest country in the world, but also the most beautiful one as well. What other country has sights like The Grand Canyon, Yellowstone Park, the Great Smoky Mountains, the Pacific Ocean, the Gulf of Mexico, New England in the fall, and so much more? Want to explore America? Become a trucker.
One other great thing about being a trucker is the camaraderie that you feel with your fellow truckers. It’s a special bond, much like the bond that people who are in the military feel. You and your fellow truckers know that you are doing a job that is vital, Vital for the country. For without trucking, we would be in a heap of trouble. Do you have any idea how many products that you use, that are delivered by truck? The percentage of products delivered by truck is around 78%. So think about something that you use (car; food; pharmaceuticals; etc.) and there’s a really good chance that it got to you, by truck.
Trucking is not an easy job. I won’t try to make it seem like it is. For one thing, you’re away from home a lot. But even that, you do have some control over. For example, if you’re the type who likes to be home quite a bit, there are truck driving jobs where the drivers are home every weekend, and in some cases, there are trucking jobs where the drivers are home every night. It must be noted though, that some of those jobs don’t pay as well as the long haul jobs do.
Is trucking for you? Only you can decide that. If you think that it is for you, the first step is to enter a truck driving school. There are great schools located in every region of this country.
About The Author
Joe Regan
Find a Truck Driving School near you. http://www.bubbajunk.com/
You may reproduce this article as long as the authors name and link is provided.
Who is David F. Kyte?
Who is David F. Kyte?
by: Maricon Williams
Millions of people especially men – are obsessed with cars. This obsession can be traced when they converse with other people. Many of them safe keep a collection – from real cars to limited edition miniature cars to posters and the likes. At the moment we will be acquainted with a man who is neither a collector nor a fanatic with these but he has a valuable contribution with regards to automobile art.
David F. Kyte, is a graphic designer, automotive painter and artist living in Detroit Michigan. He is the man behind the marvelous “The Caterham Super Seven Painting ”.
In The art of David F. Kyte, it was revealed that even though David's background is formal training and years of experience in computer graphics, he still resorts to pens and brushes when the need arises. These images were sent in to DTG back in 1997, and show a wide spectrum of interest. Today however, David has focused on Auto art which he sells at his web site. David admits that more and more of the his artwork is done on a Macintosh computer, however he still holds to the belief that computer art should not look like it is done on the computer.
Automobiles are complex subject and it can tend to look very strange if not drawn correctly. No matter how good you are in drawing, it is hard to draw automobile without any reference. Kyte’s secret is using photos. “ I do have a large collection of photos I have taken over the years plus lots of books on automotive and racing subjects, these come very handy when I start a painting. I do a lot of photographing of cars but my photos have been relegated to reference for future paintings. This is the advantage of being a painter, something that is not exactly what I want in the actual scene does not mater, I will make what I want when I do the painting”, he disclosed.
To guarantee the optimum in print quality, Kyte has given a valuable piece of advice – prints should be created from high resolution digital files. According to him the reason for this is simple, resolution = detail. “I pride myself on the fine detail I incorporate into my artwork and for that detail to show on the final print it is important to start with a file that for a typical 12x16 print can be as large as 200 megabytes or more. This makes for a print that has vibrant color and smooth crisp lines.” This must be the reason why he emanates outstanding obra maestra !
About the Author
This article was created for the sole purpose of propagating information that may be related to catalog printing and other industries to which it may be of interest.
For questions and comments about the Artcile you may contact the Author at info@catalogprintingexperts.com or visit http://www.catalogprintingexperts.com
by: Maricon Williams
Millions of people especially men – are obsessed with cars. This obsession can be traced when they converse with other people. Many of them safe keep a collection – from real cars to limited edition miniature cars to posters and the likes. At the moment we will be acquainted with a man who is neither a collector nor a fanatic with these but he has a valuable contribution with regards to automobile art.
David F. Kyte, is a graphic designer, automotive painter and artist living in Detroit Michigan. He is the man behind the marvelous “The Caterham Super Seven Painting ”.
In The art of David F. Kyte, it was revealed that even though David's background is formal training and years of experience in computer graphics, he still resorts to pens and brushes when the need arises. These images were sent in to DTG back in 1997, and show a wide spectrum of interest. Today however, David has focused on Auto art which he sells at his web site. David admits that more and more of the his artwork is done on a Macintosh computer, however he still holds to the belief that computer art should not look like it is done on the computer.
Automobiles are complex subject and it can tend to look very strange if not drawn correctly. No matter how good you are in drawing, it is hard to draw automobile without any reference. Kyte’s secret is using photos. “ I do have a large collection of photos I have taken over the years plus lots of books on automotive and racing subjects, these come very handy when I start a painting. I do a lot of photographing of cars but my photos have been relegated to reference for future paintings. This is the advantage of being a painter, something that is not exactly what I want in the actual scene does not mater, I will make what I want when I do the painting”, he disclosed.
To guarantee the optimum in print quality, Kyte has given a valuable piece of advice – prints should be created from high resolution digital files. According to him the reason for this is simple, resolution = detail. “I pride myself on the fine detail I incorporate into my artwork and for that detail to show on the final print it is important to start with a file that for a typical 12x16 print can be as large as 200 megabytes or more. This makes for a print that has vibrant color and smooth crisp lines.” This must be the reason why he emanates outstanding obra maestra !
About the Author
This article was created for the sole purpose of propagating information that may be related to catalog printing and other industries to which it may be of interest.
For questions and comments about the Artcile you may contact the Author at info@catalogprintingexperts.com or visit http://www.catalogprintingexperts.com
Where to find High Quality Aftermarket Ford Mustang Parts
Where to find High Quality Aftermarket Ford Mustang Parts
by: Terry Brown
The Ford Mustang is one of the icons of the automotive industry. The Mustang is renowned as the All-American automobile, ever since it was introduced in the early 1960's. The Mustang, considered the first pony car, has captured the hearts of automobile lovers. In fact, its debut is the most successful product launch in the history of the automotive industry. Through the years, the Mustang remains as one of the most popular and well-loved cars ever. It has garnered many accolades and awards. The 1964-1973 Mustang models are considered by many car enthusiasts as automotive icons. At present, the Mustang continues to be a popular automobile. In fact, its latest incarnation, the redesigned 2005 Ford Mustang has been nominated for the North American Car of the Year.
A car like the Ford Mustang deserves nothing less than the best maintenance and care. Owning a Ford Mustang is an excellent investment. Thus, a Mustang owner must carefully maintain the performance, functionality and beauty of his Mustang. One of the best ways to maintain your Mustang is by using only the best replacement Ford parts . Now, you can find the best Ford Mustang parts and accessories at great prices. Shopping for Mustang Parts has also become easier because of the internet. There are now dozens of good Ford Parts stores online offering excellent Aftermarket Ford auto parts. Some replacement Mustang parts you can find online are Ford wheels, Ford radiators and Ford exhausts.
Practically every replacement part for the Mustang can be found online. An excellent Ford Parts store will offer an extensive selection of Ford Mustang Parts ranging from Ford bumpers to Ford spoilers. In addition, you can really save time shopping online compared to paying a visit to your parts dealer. Reliable and trusted online auto parts suppliers such as Inner Auto Parts offer top quality Ford auto parts at a very affordable price. They have a very comprehensive inventory of Ford Parts including Ford fenders and Ford headlights. Their Ford fuel tanks and even Ford floor mats are guaranteed top quality. You will also find much useful and relevant automotive information in Inner Auto Parts' website. In fact, it has already won accolades as an excellent source of auto information. You can expect excellent auto parts and top-notch service from Inner Auto Parts. Now you know where to find the best, high quality Ford Mustang Parts.
About the Author
Terry Brown is a 32 year old from Houston Texas, and an enthusiast for anything auto related. He is currently employed as a market analyst by one of the top car parts company in the area. His automotive articles provide valuable source of information for auto enthusiasts like him as well as to those in need of automotive research.
by: Terry Brown
The Ford Mustang is one of the icons of the automotive industry. The Mustang is renowned as the All-American automobile, ever since it was introduced in the early 1960's. The Mustang, considered the first pony car, has captured the hearts of automobile lovers. In fact, its debut is the most successful product launch in the history of the automotive industry. Through the years, the Mustang remains as one of the most popular and well-loved cars ever. It has garnered many accolades and awards. The 1964-1973 Mustang models are considered by many car enthusiasts as automotive icons. At present, the Mustang continues to be a popular automobile. In fact, its latest incarnation, the redesigned 2005 Ford Mustang has been nominated for the North American Car of the Year.
A car like the Ford Mustang deserves nothing less than the best maintenance and care. Owning a Ford Mustang is an excellent investment. Thus, a Mustang owner must carefully maintain the performance, functionality and beauty of his Mustang. One of the best ways to maintain your Mustang is by using only the best replacement Ford parts . Now, you can find the best Ford Mustang parts and accessories at great prices. Shopping for Mustang Parts has also become easier because of the internet. There are now dozens of good Ford Parts stores online offering excellent Aftermarket Ford auto parts. Some replacement Mustang parts you can find online are Ford wheels, Ford radiators and Ford exhausts.
Practically every replacement part for the Mustang can be found online. An excellent Ford Parts store will offer an extensive selection of Ford Mustang Parts ranging from Ford bumpers to Ford spoilers. In addition, you can really save time shopping online compared to paying a visit to your parts dealer. Reliable and trusted online auto parts suppliers such as Inner Auto Parts offer top quality Ford auto parts at a very affordable price. They have a very comprehensive inventory of Ford Parts including Ford fenders and Ford headlights. Their Ford fuel tanks and even Ford floor mats are guaranteed top quality. You will also find much useful and relevant automotive information in Inner Auto Parts' website. In fact, it has already won accolades as an excellent source of auto information. You can expect excellent auto parts and top-notch service from Inner Auto Parts. Now you know where to find the best, high quality Ford Mustang Parts.
About the Author
Terry Brown is a 32 year old from Houston Texas, and an enthusiast for anything auto related. He is currently employed as a market analyst by one of the top car parts company in the area. His automotive articles provide valuable source of information for auto enthusiasts like him as well as to those in need of automotive research.
Where to Buy Used Cars at Bargain Prices!
Where to Buy Used Cars at Bargain Prices!
by: C.L. Spartalis
One of the most important things you can do to purchase a used car at bargain prices is to do your homework. You should check your local classified ads and see what the asking price is for the type of vehicle that you are in the market for. Make sure to get the high and low Blue Book Price on the vehicle that you are interested in. Here are some excellent sources for getting pricing:
NADA GUIDES - www.nadaguides.com
KELLEY BLUE BOOK - www.kbb.com
EDMUNDS - www.edmunds.com
Other resources to check with is CARFAX. They can supply you with the vehicle history report. The National Highway Traffic Safety Administration has a research area to check recall history on cars. We recommend that you have the vehicle you are interested in purchasing be inspected by your own mechanic prior to purchase.
Newspaper Classified Ads are a excellent place to find cars at well below retail prices. Many times, people take their cars to dealers for trade ins and are offered below wholesale prices. Many of these people will be happy to several hundreds more that what was quoted by the dealer and you will end up with an EXCELLENT BUY!
Online Auctions can be a great place to find bargains. You can shop right from the comfort of your own home. Look for auctions with no reserve, these auctions don’t have a minimum price before they will sell.
Public Car Auctions are open to the general public and do not require you to have a Dealer’s License. Public auctions can be an excellent place to purchase cars at wholesale prices. Some of these auctions are: Auction Repossessions of Credit Unions, Banks & Lending Institutions. Some public auctions also auction Police and Local Municipalities, City, State, & County vehicles.
Estate and Bankruptcy Auctions can be a very good place to purchase vehicles at wholesale prices. These auctions are usually advertised in newspaper classified section or handled by Probate Estate Auctioneers.
Government Auctions are an excellent source for bargin vehicles. They include vehicles from DEA drug raid seizures, FBI, IRS, U.S. Customs Auctions, Department of Defense, General Services Auctions, Resolution Trust Corporation, Department of Housing and Urban Development, and U.S. Postal Services.
Rental Car Companies often sell their fleets of cars by auction. They can be a great source of cars. Contact these large companies and inquire.
Dealer Auctions can be one of the best sources to cars at below wholesale prices. Most of these auctions require that you have a dealer’s license. These auctions include lease cars, trade-ins, rentals, and fleet vehicles.
About The Author
C.L.Spartalis is the publisher of The of How To Turn Used Cars Into Ca$h With Your Computer
www.turnusedcarstocash.com/home.html
Join Free News Letter
email clsenterprises1@aol.com Re: FREE Newsletter
by: C.L. Spartalis
One of the most important things you can do to purchase a used car at bargain prices is to do your homework. You should check your local classified ads and see what the asking price is for the type of vehicle that you are in the market for. Make sure to get the high and low Blue Book Price on the vehicle that you are interested in. Here are some excellent sources for getting pricing:
NADA GUIDES - www.nadaguides.com
KELLEY BLUE BOOK - www.kbb.com
EDMUNDS - www.edmunds.com
Other resources to check with is CARFAX. They can supply you with the vehicle history report. The National Highway Traffic Safety Administration has a research area to check recall history on cars. We recommend that you have the vehicle you are interested in purchasing be inspected by your own mechanic prior to purchase.
Newspaper Classified Ads are a excellent place to find cars at well below retail prices. Many times, people take their cars to dealers for trade ins and are offered below wholesale prices. Many of these people will be happy to several hundreds more that what was quoted by the dealer and you will end up with an EXCELLENT BUY!
Online Auctions can be a great place to find bargains. You can shop right from the comfort of your own home. Look for auctions with no reserve, these auctions don’t have a minimum price before they will sell.
Public Car Auctions are open to the general public and do not require you to have a Dealer’s License. Public auctions can be an excellent place to purchase cars at wholesale prices. Some of these auctions are: Auction Repossessions of Credit Unions, Banks & Lending Institutions. Some public auctions also auction Police and Local Municipalities, City, State, & County vehicles.
Estate and Bankruptcy Auctions can be a very good place to purchase vehicles at wholesale prices. These auctions are usually advertised in newspaper classified section or handled by Probate Estate Auctioneers.
Government Auctions are an excellent source for bargin vehicles. They include vehicles from DEA drug raid seizures, FBI, IRS, U.S. Customs Auctions, Department of Defense, General Services Auctions, Resolution Trust Corporation, Department of Housing and Urban Development, and U.S. Postal Services.
Rental Car Companies often sell their fleets of cars by auction. They can be a great source of cars. Contact these large companies and inquire.
Dealer Auctions can be one of the best sources to cars at below wholesale prices. Most of these auctions require that you have a dealer’s license. These auctions include lease cars, trade-ins, rentals, and fleet vehicles.
About The Author
C.L.Spartalis is the publisher of The of How To Turn Used Cars Into Ca$h With Your Computer
www.turnusedcarstocash.com/home.html
Join Free News Letter
email clsenterprises1@aol.com Re: FREE Newsletter
What's With Those Noisy Lights?
What's With Those Noisy Lights?
by: News Canada
(NC)—Not too long ago, you hopped in your car and turned the key. A couple of lights flashed for a second, the motor started and you were ready to go. Not true anymore. A modern car or truck has bells and whistles and flashing lights galore – most of which briefly light up or sound off, as you settle in and start the engine. So what do they all mean, and how much attention should you pay to them? Well let's find out. But keep in mind that not all vehicles will have the same type or number of lights, bells, whistles or computer generated voices. And before we start, there are a couple of key points to remember. All of these devices have the same basic purpose. To communicate with you. Sometimes this communication is about friendly advice; like your keys are still in the ignition. Most of the time, this communication is an important warning that you should acknowledge, respect and act upon. So let's start with leaving the vehicle.
* Ding, ding, ding or beep beep beep – You have just left the car, the door is still open and the car is talking to you. Most likely you have left your keys in the ignition or your lights are still on. Relax. It happens to everybody.
* Ding ding ding again – You're in the car and you've started the motor. For the next few seconds you hear the ding. Most likely that's because you haven't fastened your seatbelt. So buckle up right away. In fact, you should buckle up before you turn the key. This is one ding you should never hear.
* Lights Galore – When you first start your car or truck all sorts of lights flash and then you never see them again. Below, we are going to talk about those lights and how you should react to them. Which is great. But what is more important is that you read your owner's manual carefully. That way, you will know exactly which lights are which, and if your car is different in any way.
* Seat Belt Light – Pretty obvious. You didn't pay attention to the ding ding ding. Once again, don't do this. Fasten your seat belt for your own good.
* Airbag Light – Usually orange in colour, it flashes briefly as you start the car and often shows what looks like a person holding a beach ball. If this light comes on when you are driving, take your car to your dealer as soon as possible. Your airbag system might not be working properly.
* Brake Light – Usually red, it often shows a little round disk or the word "brake". It indicates that your handbrake is on and that you should release it before driving away. If the light does not go out after you have released the handbrake, it could indicate low brake fluid or a malfunction in the brake system. Call your dealer. Do not drive the car until this problem is fixed.
* Temperature Light – Often looks like a little thermometer. If it goes on when you are driving it means your engine might be overheating. This can be caused by not enough coolant (antifreeze and water) or not enough oil. Stop the car to let it cool down, then add coolant and/or oil if necessary, or call for help. Always use brand name coolants and high quality motor oils like Castrol GTX or Castrol Syntec. They provide superior protection for your engine.
* High Beam Light – Usually blue. Indicates that your high beams are on, which you should always be aware of. Remember, only use your high beams when necessary.
* Engine Check Light – This one is a little tricky as its function varies from car to car. But basically, it is part of your engine diagnostic system and is indicating that something is malfunctioning. This problem could be very minor, like a fuel cap not properly attached, or something potentially serious. The best idea is to drive carefully to your dealer as soon as possible. But not before you have got your haircut, finished your shopping, whatever. Just don't go on any trips.
* Alternator / Battery – You can drive with a dead battery and a good alternator or a good battery and a dead alternator. But not for very long. If this light comes on you have an electrical malfunction. It might be as simple as a loose engine belt, or something more serious. Attend to the problem quickly.
* Oil Light – This is one of the most important lights. It indicates that oil pressure is too low. If it goes on while driving, stop the engine as soon as possible and check the oil level. Add a high quality oil like Castrol GTX if necessary. If the light stays on when the engine oil level is normal, stop the engine immediately and call your dealer for service.
* ABS / Anti-Skid Light – This important light will normally flash when your ABS system is actually in use and remain off the rest of the time. Often the same light will flash if an anti-skid or traction control system is actually in use, and once again, remain off the rest of the time. If this light comes on during normal driving, your brake system might be malfunctioning and you should see you dealer as soon as possible. Note: In some vehicles you can turn off the ABS or traction control system, and the light remains on all the time.
* Big Brother Lights – These convenient little guys tell you what you should already know. Which means they are possibly the best loved lights of all. They include, in no particular order, lights that warn you about things like low fuel, low windshield washer fluid, doors that are ajar, trunks that are open, defoggers that are still on, heated seats that are still hot, brake pads that are almost worn and everybody's favourite, catalytic converters that refuse to convert.
* Sayonara – Some cars, trucks and SUV's aren't satisfied with beeping and dinging and flashing at you. They talk. And say things like "your fuel is low, your fuel is low, your fuel is low….." . You get the idea. And being Canadian, they talk in French and English. On that note, sayonara.
A wealth of interesting and valuable information on motor oils and lubricants can be found at www.castrolcanada.com or other well known petroleum web sites.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
(NC)—Not too long ago, you hopped in your car and turned the key. A couple of lights flashed for a second, the motor started and you were ready to go. Not true anymore. A modern car or truck has bells and whistles and flashing lights galore – most of which briefly light up or sound off, as you settle in and start the engine. So what do they all mean, and how much attention should you pay to them? Well let's find out. But keep in mind that not all vehicles will have the same type or number of lights, bells, whistles or computer generated voices. And before we start, there are a couple of key points to remember. All of these devices have the same basic purpose. To communicate with you. Sometimes this communication is about friendly advice; like your keys are still in the ignition. Most of the time, this communication is an important warning that you should acknowledge, respect and act upon. So let's start with leaving the vehicle.
* Ding, ding, ding or beep beep beep – You have just left the car, the door is still open and the car is talking to you. Most likely you have left your keys in the ignition or your lights are still on. Relax. It happens to everybody.
* Ding ding ding again – You're in the car and you've started the motor. For the next few seconds you hear the ding. Most likely that's because you haven't fastened your seatbelt. So buckle up right away. In fact, you should buckle up before you turn the key. This is one ding you should never hear.
* Lights Galore – When you first start your car or truck all sorts of lights flash and then you never see them again. Below, we are going to talk about those lights and how you should react to them. Which is great. But what is more important is that you read your owner's manual carefully. That way, you will know exactly which lights are which, and if your car is different in any way.
* Seat Belt Light – Pretty obvious. You didn't pay attention to the ding ding ding. Once again, don't do this. Fasten your seat belt for your own good.
* Airbag Light – Usually orange in colour, it flashes briefly as you start the car and often shows what looks like a person holding a beach ball. If this light comes on when you are driving, take your car to your dealer as soon as possible. Your airbag system might not be working properly.
* Brake Light – Usually red, it often shows a little round disk or the word "brake". It indicates that your handbrake is on and that you should release it before driving away. If the light does not go out after you have released the handbrake, it could indicate low brake fluid or a malfunction in the brake system. Call your dealer. Do not drive the car until this problem is fixed.
* Temperature Light – Often looks like a little thermometer. If it goes on when you are driving it means your engine might be overheating. This can be caused by not enough coolant (antifreeze and water) or not enough oil. Stop the car to let it cool down, then add coolant and/or oil if necessary, or call for help. Always use brand name coolants and high quality motor oils like Castrol GTX or Castrol Syntec. They provide superior protection for your engine.
* High Beam Light – Usually blue. Indicates that your high beams are on, which you should always be aware of. Remember, only use your high beams when necessary.
* Engine Check Light – This one is a little tricky as its function varies from car to car. But basically, it is part of your engine diagnostic system and is indicating that something is malfunctioning. This problem could be very minor, like a fuel cap not properly attached, or something potentially serious. The best idea is to drive carefully to your dealer as soon as possible. But not before you have got your haircut, finished your shopping, whatever. Just don't go on any trips.
* Alternator / Battery – You can drive with a dead battery and a good alternator or a good battery and a dead alternator. But not for very long. If this light comes on you have an electrical malfunction. It might be as simple as a loose engine belt, or something more serious. Attend to the problem quickly.
* Oil Light – This is one of the most important lights. It indicates that oil pressure is too low. If it goes on while driving, stop the engine as soon as possible and check the oil level. Add a high quality oil like Castrol GTX if necessary. If the light stays on when the engine oil level is normal, stop the engine immediately and call your dealer for service.
* ABS / Anti-Skid Light – This important light will normally flash when your ABS system is actually in use and remain off the rest of the time. Often the same light will flash if an anti-skid or traction control system is actually in use, and once again, remain off the rest of the time. If this light comes on during normal driving, your brake system might be malfunctioning and you should see you dealer as soon as possible. Note: In some vehicles you can turn off the ABS or traction control system, and the light remains on all the time.
* Big Brother Lights – These convenient little guys tell you what you should already know. Which means they are possibly the best loved lights of all. They include, in no particular order, lights that warn you about things like low fuel, low windshield washer fluid, doors that are ajar, trunks that are open, defoggers that are still on, heated seats that are still hot, brake pads that are almost worn and everybody's favourite, catalytic converters that refuse to convert.
* Sayonara – Some cars, trucks and SUV's aren't satisfied with beeping and dinging and flashing at you. They talk. And say things like "your fuel is low, your fuel is low, your fuel is low….." . You get the idea. And being Canadian, they talk in French and English. On that note, sayonara.
A wealth of interesting and valuable information on motor oils and lubricants can be found at www.castrolcanada.com or other well known petroleum web sites.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
What to Know When Buying a GPS
What to Know When Buying a GPS
by: Chuck Fitzgerald
Why are GPS units showing up everywhere? You might find one in your rental car, on your wristwatch or even built into your wireless phone. Anti-theft systems use one, heavy construction equipment might use one and having one on your boat now seems to be a requirement. Anytime we want to know our exact location on the face of the Earth, the GPS becomes indispensable. Like many other technologies, feature rich GPS units are now affordable for the average person. So how do you know which one to purchase? Let’s look at few things to consider prior to buying your next GPS unit, but first, what is a GPS unit?
A GPS (Global Positioning System) unit has the primary function of calculating its own location on land or water by using satellite signals. Once the GPS unit knows its own location, it can help the user determine direction and distance to other known locations. For instance, a GPS on a boat can tell the captain how far it is to the shoreline or how far it is to a favorite fishing spot. For the outdoor sportsman a GPS can help with finding your campsite, your vehicle or your next geocache. Popular outdoor activities such as hiking, hunting, fishing, trail running, backpacking, rock climbing, canyoneering and canoeing are all made more enjoyable and safer when you take along your GPS.
When buying a GPS system the first thing to consider is how you intend to use it. If you plan on using it while on foot, you’ll want a GPS that is lightweight, compact, weather resistant and that is equipped with features important to foot travel. WAAS (Wide Area Augmentation System) is one such feature. WAAS greatly increases the accuracy of your GPS, in most cases to within 10 feet. Accuracy within a few meters is important for the outdoor enthusiast but not nearly as important for navigating through town in your rental car. Next, be sure your GPS has at least 12 channels of reception too. Since your GPS will only work when it receives signals from satellites orbiting the Earth, less than 12 receiving channels will not get the job done in wooded areas or in steep terrain. If you plan on using your GPS to navigate while driving in your car, its weight is not nearly as important as its ability to display street maps. The GPS mounted to the dash of your truck probably doesn’t need to be weatherproof, but the one on your boat better be.
Here are the features and products I recommend. For the outdoor athlete or sportsman, be sure your GPS has these features: topographical mapping, back tracking, a computer interface, weatherproofing, 12 receiver channels and WAAS. I recommend portable GPS units in the Garmin eTrex Series and the Magellan Meridian Series. For driving applications, be sure your GPS has these features: street mapping, large display, a computer interface and external antenna compatibility. I recommend automotive GPS units in the Garmin StreetPilot Series and the Magellan RoadMate Series. For boating and other marine applications, be sure your GPS has these features: marine mapping, color screen, active sonar, back tracking, a computer interface and weatherproofing. I recommend marine GPS Units in the Garmin GPSMAP Series.
Prices for GPS units vary a great deal and in general, you get what you pay for. While some units cost around $100 and offer relatively few features, others may cost as much as $1000 or even more and are loaded with dozens of features. Here is a good rule of thumb for determining how much money to spend on your next GPS. You should expect to pay between $200 and $300 to get a decent GPS Unit. I own a Garmin eTrex Vista. I believe it is the best GPS available for under $300.
If you don’t have a GPS or yours is more than five years old, now’s the time to get one. Adding a new GPS to your inventory of backcountry toys will take your outdoor adventures to a new level of enjoyment. Use this information and you’ll Get It Right The First Time. Get Outdoors!
About the Author
Chuck Fitzgerald is the owner of Arizona based BackCountry Toys, an online specialty store with the “Best Gear Out There” and dedicated to helping outdoor enthusiasts to “Get It Right The First Time” with timely educational information. Please visit http://www.BackCountryToys.com to find great gear and to receive the Fact & Tips e-newsletter, "FreshAir.” (800) 316-9055.
by: Chuck Fitzgerald
Why are GPS units showing up everywhere? You might find one in your rental car, on your wristwatch or even built into your wireless phone. Anti-theft systems use one, heavy construction equipment might use one and having one on your boat now seems to be a requirement. Anytime we want to know our exact location on the face of the Earth, the GPS becomes indispensable. Like many other technologies, feature rich GPS units are now affordable for the average person. So how do you know which one to purchase? Let’s look at few things to consider prior to buying your next GPS unit, but first, what is a GPS unit?
A GPS (Global Positioning System) unit has the primary function of calculating its own location on land or water by using satellite signals. Once the GPS unit knows its own location, it can help the user determine direction and distance to other known locations. For instance, a GPS on a boat can tell the captain how far it is to the shoreline or how far it is to a favorite fishing spot. For the outdoor sportsman a GPS can help with finding your campsite, your vehicle or your next geocache. Popular outdoor activities such as hiking, hunting, fishing, trail running, backpacking, rock climbing, canyoneering and canoeing are all made more enjoyable and safer when you take along your GPS.
When buying a GPS system the first thing to consider is how you intend to use it. If you plan on using it while on foot, you’ll want a GPS that is lightweight, compact, weather resistant and that is equipped with features important to foot travel. WAAS (Wide Area Augmentation System) is one such feature. WAAS greatly increases the accuracy of your GPS, in most cases to within 10 feet. Accuracy within a few meters is important for the outdoor enthusiast but not nearly as important for navigating through town in your rental car. Next, be sure your GPS has at least 12 channels of reception too. Since your GPS will only work when it receives signals from satellites orbiting the Earth, less than 12 receiving channels will not get the job done in wooded areas or in steep terrain. If you plan on using your GPS to navigate while driving in your car, its weight is not nearly as important as its ability to display street maps. The GPS mounted to the dash of your truck probably doesn’t need to be weatherproof, but the one on your boat better be.
Here are the features and products I recommend. For the outdoor athlete or sportsman, be sure your GPS has these features: topographical mapping, back tracking, a computer interface, weatherproofing, 12 receiver channels and WAAS. I recommend portable GPS units in the Garmin eTrex Series and the Magellan Meridian Series. For driving applications, be sure your GPS has these features: street mapping, large display, a computer interface and external antenna compatibility. I recommend automotive GPS units in the Garmin StreetPilot Series and the Magellan RoadMate Series. For boating and other marine applications, be sure your GPS has these features: marine mapping, color screen, active sonar, back tracking, a computer interface and weatherproofing. I recommend marine GPS Units in the Garmin GPSMAP Series.
Prices for GPS units vary a great deal and in general, you get what you pay for. While some units cost around $100 and offer relatively few features, others may cost as much as $1000 or even more and are loaded with dozens of features. Here is a good rule of thumb for determining how much money to spend on your next GPS. You should expect to pay between $200 and $300 to get a decent GPS Unit. I own a Garmin eTrex Vista. I believe it is the best GPS available for under $300.
If you don’t have a GPS or yours is more than five years old, now’s the time to get one. Adding a new GPS to your inventory of backcountry toys will take your outdoor adventures to a new level of enjoyment. Use this information and you’ll Get It Right The First Time. Get Outdoors!
About the Author
Chuck Fitzgerald is the owner of Arizona based BackCountry Toys, an online specialty store with the “Best Gear Out There” and dedicated to helping outdoor enthusiasts to “Get It Right The First Time” with timely educational information. Please visit http://www.BackCountryToys.com to find great gear and to receive the Fact & Tips e-newsletter, "FreshAir.” (800) 316-9055.
What is Road Hazard Warranty? Do You Really Need It?
What is Road Hazard Warranty? Do You Really Need It?
by: Gene Grant
You are prepared to spend an average of $300 - $500 for new sneakers for you vehicle. It's a maintenance item that is not optional and then the salesperson asks you if you want to purchase the Road Hazard warranty.
"It's ONLY an additional $10 - $20 for each tire," he or she says. So, you're thinking, "Don't my tires come with a warranty already?"
Great question! Most tires come with a warranty which covers workmanship and materials. In other words, the tire maufacterer covers things which are in their control, like defects. They are not interested in warranting the condition of the roads or your inability to hit debris.
This is where a Road Hazard warranty can save you money and aggravation. Road Hazard warranties are one of the best values, yet one of the most misunderstood benefits. Let's start off by expalining exactly what is a Road Hazard warranties and how does it save me money?
Most Road Hazard warranties are set up to protect you, from paying full price, even if you happen to get a flat or even destroy a tire beyond repair. If you are fortunate enough to have purchased the warranty, you will only pay for the amount of tread that you used prior to the needed replacement. (This is called pro-rated).
Here is an example. Let's say your tire is 1/2 way worn at the time of the flat. With tires averaging $100 each, your replacement cost would only be $50.00. Much better than full price, yes? Definitely - great value.
Typically, Road Hazard warranties will cover things like nails, glass, metal, stones etc. and almost anything else that could puncture or damage a tire. Some Road Hazrd packages provide a nationwide coverage, which are great for people who are traveling, or vacationing, because you now have peace of mind knowing that you are protected while away from your local area.
In addition, many Road Hazard warranties offer other benefits like free rotations and free balancing (check where you purchase your tires for all the details). Regular maintenance is the best way to extend the life of your tire and get as many miles as possible for your investment.
Next time you are ready to purchase tires, ask your tire dealer for the road hazard warranty. You'll be glad you did.
About The Author
Gene Grant is retired from the automotive industry after 25 years and has created the resource http://www.acarmart.com.
by: Gene Grant
You are prepared to spend an average of $300 - $500 for new sneakers for you vehicle. It's a maintenance item that is not optional and then the salesperson asks you if you want to purchase the Road Hazard warranty.
"It's ONLY an additional $10 - $20 for each tire," he or she says. So, you're thinking, "Don't my tires come with a warranty already?"
Great question! Most tires come with a warranty which covers workmanship and materials. In other words, the tire maufacterer covers things which are in their control, like defects. They are not interested in warranting the condition of the roads or your inability to hit debris.
This is where a Road Hazard warranty can save you money and aggravation. Road Hazard warranties are one of the best values, yet one of the most misunderstood benefits. Let's start off by expalining exactly what is a Road Hazard warranties and how does it save me money?
Most Road Hazard warranties are set up to protect you, from paying full price, even if you happen to get a flat or even destroy a tire beyond repair. If you are fortunate enough to have purchased the warranty, you will only pay for the amount of tread that you used prior to the needed replacement. (This is called pro-rated).
Here is an example. Let's say your tire is 1/2 way worn at the time of the flat. With tires averaging $100 each, your replacement cost would only be $50.00. Much better than full price, yes? Definitely - great value.
Typically, Road Hazard warranties will cover things like nails, glass, metal, stones etc. and almost anything else that could puncture or damage a tire. Some Road Hazrd packages provide a nationwide coverage, which are great for people who are traveling, or vacationing, because you now have peace of mind knowing that you are protected while away from your local area.
In addition, many Road Hazard warranties offer other benefits like free rotations and free balancing (check where you purchase your tires for all the details). Regular maintenance is the best way to extend the life of your tire and get as many miles as possible for your investment.
Next time you are ready to purchase tires, ask your tire dealer for the road hazard warranty. You'll be glad you did.
About The Author
Gene Grant is retired from the automotive industry after 25 years and has created the resource http://www.acarmart.com.
What is Asbestos Cancer?
What is Asbestos Cancer?
by: Peter Lenkefi
Asbestos Cancer, also known as Mesothelioma Cancer, is one of the common diseases that are a result of exposure to Asbestos related substances. These Asbestos substances contain Asbestos fibers, which can enter a person’s body through the mouth, or through the skin, causing a slow Mesothelioma Cell Cancer to develop.
There are three main types of Asbestos Cancer and one lesser medical condition that can develop as a result of exposure to Asbestos related substances. The lesser medical condition is known as Asbestosis and involves the scaring of the lining of the chest.
The three main types of Asbestos Cancer include Pleural (chest), Peritoneal (abdominal) and Pericardial (heart). In the case of Peritoneal Asbestos Cancer, there is a higher chance of malignancy.
Asbestos Cancer has become more widely evident in the last 5-10 years, as Asbestos Cancer can take between 20 to 40 years for symptoms to arise. Asbestos Cancer is particularly difficult to diagnose, as the symptoms do not tend to become evident until the final stages of the disease.
People who have had a high level of exposure to Asbestos related substances are more likely to develop Malignant Asbestos Cancer, as opposed to those people who have had a low level exposure to Asbestos related substances.
There are three types of Malignant Asbestos Cancer. These include Epithelial Malignant Asbestos Cancer, Sarcomatoid Malignant Asbestos Cancer and Mixed Malignant Asbestos Cancer. Of these three, Epithelial Malignant Asbestos Cancer is the most common.
The main symptoms of Epithelial Malignant Asbestos Cancer include, respiratory difficulties, continuous coughing and pneumonia. Malignant Asbestos Cancer is usually diagnosed through a biopsy.
The non-malignant form of Asbestos Cancer, known as Pleural, is found in the chest area and its main symptoms include, chest pain, respiratory difficulties and coughing. Pleural Asbestos Cancer is usually diagnosed through conducting a Chest CT Scan
Currently, Asbestos Cancer mostly occurs in people between 50 to 70 years of age. So far, it has been men who are mostly developing Asbestos Cancer, as they have mostly been exposed to Asbestos related substances through their work within the building Industry in the 1950’s to 1990’s.
Asbestos was mainly used in Industries such as the Construction Industry, Ship building Industry, Automotive Industry and other manufacturing Industries. However, because of the delayed symptoms of Asbestos Cancer, the use of Asbestos related substances, the use of Asbestos was not banned until the 1990’s.
Also, due to the delayed onset of the symptoms of Asbestos related substances, some of the more prominent cases involving Asbestos Cancer are now only expected to become evident in the next 5-6 years. This is why it is important that if you, or someone you know, was exposed to an Asbestos related substance, you should seek medical advice.
About the Author
Learn more about mesothelioma treatment and asbestos litigation go here: http://www.mesothelioma-treatment-center.com/asbestos-cancer.htm
by: Peter Lenkefi
Asbestos Cancer, also known as Mesothelioma Cancer, is one of the common diseases that are a result of exposure to Asbestos related substances. These Asbestos substances contain Asbestos fibers, which can enter a person’s body through the mouth, or through the skin, causing a slow Mesothelioma Cell Cancer to develop.
There are three main types of Asbestos Cancer and one lesser medical condition that can develop as a result of exposure to Asbestos related substances. The lesser medical condition is known as Asbestosis and involves the scaring of the lining of the chest.
The three main types of Asbestos Cancer include Pleural (chest), Peritoneal (abdominal) and Pericardial (heart). In the case of Peritoneal Asbestos Cancer, there is a higher chance of malignancy.
Asbestos Cancer has become more widely evident in the last 5-10 years, as Asbestos Cancer can take between 20 to 40 years for symptoms to arise. Asbestos Cancer is particularly difficult to diagnose, as the symptoms do not tend to become evident until the final stages of the disease.
People who have had a high level of exposure to Asbestos related substances are more likely to develop Malignant Asbestos Cancer, as opposed to those people who have had a low level exposure to Asbestos related substances.
There are three types of Malignant Asbestos Cancer. These include Epithelial Malignant Asbestos Cancer, Sarcomatoid Malignant Asbestos Cancer and Mixed Malignant Asbestos Cancer. Of these three, Epithelial Malignant Asbestos Cancer is the most common.
The main symptoms of Epithelial Malignant Asbestos Cancer include, respiratory difficulties, continuous coughing and pneumonia. Malignant Asbestos Cancer is usually diagnosed through a biopsy.
The non-malignant form of Asbestos Cancer, known as Pleural, is found in the chest area and its main symptoms include, chest pain, respiratory difficulties and coughing. Pleural Asbestos Cancer is usually diagnosed through conducting a Chest CT Scan
Currently, Asbestos Cancer mostly occurs in people between 50 to 70 years of age. So far, it has been men who are mostly developing Asbestos Cancer, as they have mostly been exposed to Asbestos related substances through their work within the building Industry in the 1950’s to 1990’s.
Asbestos was mainly used in Industries such as the Construction Industry, Ship building Industry, Automotive Industry and other manufacturing Industries. However, because of the delayed symptoms of Asbestos Cancer, the use of Asbestos related substances, the use of Asbestos was not banned until the 1990’s.
Also, due to the delayed onset of the symptoms of Asbestos related substances, some of the more prominent cases involving Asbestos Cancer are now only expected to become evident in the next 5-6 years. This is why it is important that if you, or someone you know, was exposed to an Asbestos related substance, you should seek medical advice.
About the Author
Learn more about mesothelioma treatment and asbestos litigation go here: http://www.mesothelioma-treatment-center.com/asbestos-cancer.htm
What Is An Intelligent Transportation System?
What Is An Intelligent Transportation System?
by: News Canada
(NC)—Intelligent Transportation Systems (ITS) are technologies designed to make transportation safer, more efficient, more reliable and more environmentally friendly, without necessarily having to physically alter existing infrastructure.
ITS technologies include sensor and control systems, advanced communications methods, and computer informatics. These technologies are already benefiting businesses and the travelling public. For example, in Saskatoon an advanced traffic management system is minimizing traffic congestion, alerting crews to accidents and providing drivers with up-to-date road information. In Vancouver, new software has enhanced monitoring of the movement of dangerous goods in and out of port jurisdictions, enabling authorities to locate these goods more quickly.
ITS is just one of a number of areas in which the Government of Canada's Strategic Highway Infrastructure Program (SHIP) is investing. SHIP is a $600 million program that has the Government of Canada working with the provinces and territories to identify those parts of our national transportation system which — because of growing traffic and increasing trade — need immediate attention. The goal of this program is to develop and maintain a safer, more efficient transportation system for all Canadians.
For more information on SHIP and intelligent transportation systems, visit http://www.its-sti.gc.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
(NC)—Intelligent Transportation Systems (ITS) are technologies designed to make transportation safer, more efficient, more reliable and more environmentally friendly, without necessarily having to physically alter existing infrastructure.
ITS technologies include sensor and control systems, advanced communications methods, and computer informatics. These technologies are already benefiting businesses and the travelling public. For example, in Saskatoon an advanced traffic management system is minimizing traffic congestion, alerting crews to accidents and providing drivers with up-to-date road information. In Vancouver, new software has enhanced monitoring of the movement of dangerous goods in and out of port jurisdictions, enabling authorities to locate these goods more quickly.
ITS is just one of a number of areas in which the Government of Canada's Strategic Highway Infrastructure Program (SHIP) is investing. SHIP is a $600 million program that has the Government of Canada working with the provinces and territories to identify those parts of our national transportation system which — because of growing traffic and increasing trade — need immediate attention. The goal of this program is to develop and maintain a safer, more efficient transportation system for all Canadians.
For more information on SHIP and intelligent transportation systems, visit http://www.its-sti.gc.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Water contamination - the enemy of your automotive air tools
Water contamination - the enemy of your automotive air tools
by: Jason Miller
Water contamination is the great enemy to your prized impact wrench and other expensive air tools. The common misconception is that if you just drain the air supply tank in your air compressor of excess water, you are protecting your air tool from water damage. While draining your air supply tank is good, you are only preventing rust damage in the tank. The air outlet is generally at the top of the tank and the water in the bottom doesn't make it up there to damage your impact wrench. How then does water get into your air lines and then to your air tool? The answer is condensation. Water condenses and builds up in the air hoses and then travels to your air tool. Also, on a cold winter morning the water that has accumulated in your air lines will freeze and cause even more damage. Frozen water can break loose and damage your tools or even block the air flow in the line. The solution to this problem is install a water filter in your air hose. A good place to put it is midway down your air hose. There it will be out of the way when use your impact wrench under your car and you are trying to get into a tight space. A small investment in a water filter will go a long to prolong the life of your expensive air tools.
About the Author
Jason is the webmaster for Red Hill Supply - Online Air Tools
Air Tools,Air Impact Wrench, Air Ratchet, and More - Red Hill Supply
by: Jason Miller
Water contamination is the great enemy to your prized impact wrench and other expensive air tools. The common misconception is that if you just drain the air supply tank in your air compressor of excess water, you are protecting your air tool from water damage. While draining your air supply tank is good, you are only preventing rust damage in the tank. The air outlet is generally at the top of the tank and the water in the bottom doesn't make it up there to damage your impact wrench. How then does water get into your air lines and then to your air tool? The answer is condensation. Water condenses and builds up in the air hoses and then travels to your air tool. Also, on a cold winter morning the water that has accumulated in your air lines will freeze and cause even more damage. Frozen water can break loose and damage your tools or even block the air flow in the line. The solution to this problem is install a water filter in your air hose. A good place to put it is midway down your air hose. There it will be out of the way when use your impact wrench under your car and you are trying to get into a tight space. A small investment in a water filter will go a long to prolong the life of your expensive air tools.
About the Author
Jason is the webmaster for Red Hill Supply - Online Air Tools
Air Tools,Air Impact Wrench, Air Ratchet, and More - Red Hill Supply
Volkswagen Passat with Nokia Blue Tooth Technology: VW Aftermarket and Replacement Parts
Volkswagen Passat with Nokia Blue Tooth Technology: VW Aftermarket and Replacement Parts
by: Jenny McLane
Volkswagen is the first automaker to offer its customers a factory-fitted automotive communication solution that supports the Bluetooth SIM Access Profile. The handset integration product provides compatibility with a wide range of mobile phones from various manufacturers. A mobile phone holder is also offered as an option for users who wish to charge their phone in the car.
The Nokia Car Phone with Bluetooth Technology for the VW Passat is set for launch in Europe and Asia in 2nd quarter 2005."For the first time, an automaker is offering a communication solution using the Bluetooth SIM Access Profile that is factory-fitted in the vehicle. This represents an important engineering achievement: we have taken a further step toward universality and factory-installed, integrated communication solutions. The user can now take advantage of wide-ranging compatibility with a large number of mobile phones without having to rely on aftermarket solutions", says Marcus Stahl, General Manager Nokia Automotive.
The Nokia Car Phone with Bluetooth Technology can access the SIM card of the compatible mobile phone and log onto the GSM network. As soon as the user gets out of the car or presses a certain button on his mobile phone, the receiving mode is deactivated and the mobile phone automatically logs back onto the mobile network.
The VW Passat's Nokia Blue Tooth includes key functions such as radio mute and downloading of phonebook entries from compatible mobile phones via Bluetooth wireless technology, as well as additional basic functions such as voice dial, taking and ending calls, and redial.
As Volkswagen keeps producing cars with cutting edge technology, Partstrain maintains its lead on product excellence by its continuous supply of top grade Volkswagen Aftermarket and Replacement parts.
Partstrain offers top of the line Volkswagen Parts. The customer has a choice from a vast array of Performance Parts, Replacement Parts, Aftermarket Parts and accessories. It offers new and used Volkswagen auto body and engine parts, headlights, transmission parts, taillights, radiators, wheels, rims, and more.
You can shop securely for your Volkswagen parts with Parts Train's online store at http://www.partstrain.com/ShopByVehicle/VOLKSWAGEN .The Volkswagen OEM parts you need are in stock and ready to be shipped.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
by: Jenny McLane
Volkswagen is the first automaker to offer its customers a factory-fitted automotive communication solution that supports the Bluetooth SIM Access Profile. The handset integration product provides compatibility with a wide range of mobile phones from various manufacturers. A mobile phone holder is also offered as an option for users who wish to charge their phone in the car.
The Nokia Car Phone with Bluetooth Technology for the VW Passat is set for launch in Europe and Asia in 2nd quarter 2005."For the first time, an automaker is offering a communication solution using the Bluetooth SIM Access Profile that is factory-fitted in the vehicle. This represents an important engineering achievement: we have taken a further step toward universality and factory-installed, integrated communication solutions. The user can now take advantage of wide-ranging compatibility with a large number of mobile phones without having to rely on aftermarket solutions", says Marcus Stahl, General Manager Nokia Automotive.
The Nokia Car Phone with Bluetooth Technology can access the SIM card of the compatible mobile phone and log onto the GSM network. As soon as the user gets out of the car or presses a certain button on his mobile phone, the receiving mode is deactivated and the mobile phone automatically logs back onto the mobile network.
The VW Passat's Nokia Blue Tooth includes key functions such as radio mute and downloading of phonebook entries from compatible mobile phones via Bluetooth wireless technology, as well as additional basic functions such as voice dial, taking and ending calls, and redial.
As Volkswagen keeps producing cars with cutting edge technology, Partstrain maintains its lead on product excellence by its continuous supply of top grade Volkswagen Aftermarket and Replacement parts.
Partstrain offers top of the line Volkswagen Parts. The customer has a choice from a vast array of Performance Parts, Replacement Parts, Aftermarket Parts and accessories. It offers new and used Volkswagen auto body and engine parts, headlights, transmission parts, taillights, radiators, wheels, rims, and more.
You can shop securely for your Volkswagen parts with Parts Train's online store at http://www.partstrain.com/ShopByVehicle/VOLKSWAGEN .The Volkswagen OEM parts you need are in stock and ready to be shipped.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
Useful Tips On Buying A New Or Used Car
Useful Tips On Buying A New Or Used Car
by: John Mussi
Buying A New Car: A new car is second only to a home as the most expensive purchase many consumers make. That’s why it’s important to know how to make a smart deal. Think about what car model and options you want and how much you’re willing to spend. Do some research. You’ll be less likely to feel pressured into making a hasty or expensive decision at the showroom and more likely to get a better deal.
Consider these suggestions:
Check publications at a library or bookshop, or on the Internet that discuss new car features and prices. These may provide information on the dealer’s costs for specific models and options.
Shop around to get the best possible price by comparing models and prices in ads and at dealer showrooms. You also may want to contact car-buying services and broker-buying services to make comparisons.
Plan to negotiate on price. Dealers may be willing to bargain on their profit margin. Usually, this is the difference between the manufacturer’s suggested retail price (MSRP) and the invoice price. Because the price is a factor in the dealer’s calculations regardless of whether you pay cash or finance your car — and also affects your monthly payments — negotiating the price can save you money.
Consider ordering your new car if you don’t see what you want on the dealer’s lot. This may involve a delay, but cars on the lot may have options you don’t want — and that can raise the price. However, dealers often want to sell their current inventory quickly, so you may be able to negotiate a good deal if an in-stock car meets your needs.
Trading in Your Old Car: Discuss the possibility of a trade-in only after you’ve negotiated the best possible price for your new car and after you’ve researched the value of your old car. Check the library for reference books or magazines that can tell you how much it is worth. This information may help you get a better price from the dealer. Though it may take longer to sell your car yourself, you generally will get more money than if you trade it in.
Buying A Used Car: Before you start shopping for a used car, do some homework. It may save you serious money. Consider driving habits, what the car will be used for, and your budget. Research models, options, costs, repair records, safety tests, and mileage through libraries, book stores, and web sites.
Before you buy a used car whether from a dealer or an individual:
Examine the car using an inspection checklist. You can find checklists in magazines and books and on Internet sites that deal with used cars;
Test drive the car under varied road conditions—on hills, highways, and in stop-and-go-traffic;
Ask for the car’s maintenance record from the owner, dealer, or repair shop;
Hire a mechanic to inspect the car.
Paying for the car: Most people do not realise that they have capital locked up in their property which could be used for buying that special car of their dreams.
Release the capital tied up in your home with a home owner loan. The loan can be used for any purpose, and is available to anyone who owns their home. Home loans can be used for any purpose such as, new car, home improvements, pay of store card or credit card debt and debt consolidation.
Home owner loans are available for practically any reason. One of the most common types of home owner loans on offer are debt consolidation loans where the objective is to reduce monthly outgoings to a more manageable amount. A UK Home Owner Loan is great if you want to raise a large amount; are having problems getting an unsecured loan; or have a poor credit history. Many lenders look more favourably on people who are home owners as this demonstrates a commitment to repay a large amount of money over a long period.
A UK Home Owner Loan is a cheap, low cost, loan secured on your UK home. It frees up the equity in your home for you to use on whatever you want.
You may freely reprint this information on your website provided the following caption remains intact.
“This information courtesy of http://www.directonlineloans.co.uk Click here to see full range of loans.”
About The Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online secured loan via the http://www.directonlineloans.co.uk website. To find a loan that best suits your needs visit http://www.directonlineloans.co.uk.
by: John Mussi
Buying A New Car: A new car is second only to a home as the most expensive purchase many consumers make. That’s why it’s important to know how to make a smart deal. Think about what car model and options you want and how much you’re willing to spend. Do some research. You’ll be less likely to feel pressured into making a hasty or expensive decision at the showroom and more likely to get a better deal.
Consider these suggestions:
Check publications at a library or bookshop, or on the Internet that discuss new car features and prices. These may provide information on the dealer’s costs for specific models and options.
Shop around to get the best possible price by comparing models and prices in ads and at dealer showrooms. You also may want to contact car-buying services and broker-buying services to make comparisons.
Plan to negotiate on price. Dealers may be willing to bargain on their profit margin. Usually, this is the difference between the manufacturer’s suggested retail price (MSRP) and the invoice price. Because the price is a factor in the dealer’s calculations regardless of whether you pay cash or finance your car — and also affects your monthly payments — negotiating the price can save you money.
Consider ordering your new car if you don’t see what you want on the dealer’s lot. This may involve a delay, but cars on the lot may have options you don’t want — and that can raise the price. However, dealers often want to sell their current inventory quickly, so you may be able to negotiate a good deal if an in-stock car meets your needs.
Trading in Your Old Car: Discuss the possibility of a trade-in only after you’ve negotiated the best possible price for your new car and after you’ve researched the value of your old car. Check the library for reference books or magazines that can tell you how much it is worth. This information may help you get a better price from the dealer. Though it may take longer to sell your car yourself, you generally will get more money than if you trade it in.
Buying A Used Car: Before you start shopping for a used car, do some homework. It may save you serious money. Consider driving habits, what the car will be used for, and your budget. Research models, options, costs, repair records, safety tests, and mileage through libraries, book stores, and web sites.
Before you buy a used car whether from a dealer or an individual:
Examine the car using an inspection checklist. You can find checklists in magazines and books and on Internet sites that deal with used cars;
Test drive the car under varied road conditions—on hills, highways, and in stop-and-go-traffic;
Ask for the car’s maintenance record from the owner, dealer, or repair shop;
Hire a mechanic to inspect the car.
Paying for the car: Most people do not realise that they have capital locked up in their property which could be used for buying that special car of their dreams.
Release the capital tied up in your home with a home owner loan. The loan can be used for any purpose, and is available to anyone who owns their home. Home loans can be used for any purpose such as, new car, home improvements, pay of store card or credit card debt and debt consolidation.
Home owner loans are available for practically any reason. One of the most common types of home owner loans on offer are debt consolidation loans where the objective is to reduce monthly outgoings to a more manageable amount. A UK Home Owner Loan is great if you want to raise a large amount; are having problems getting an unsecured loan; or have a poor credit history. Many lenders look more favourably on people who are home owners as this demonstrates a commitment to repay a large amount of money over a long period.
A UK Home Owner Loan is a cheap, low cost, loan secured on your UK home. It frees up the equity in your home for you to use on whatever you want.
You may freely reprint this information on your website provided the following caption remains intact.
“This information courtesy of http://www.directonlineloans.co.uk Click here to see full range of loans.”
About The Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online secured loan via the http://www.directonlineloans.co.uk website. To find a loan that best suits your needs visit http://www.directonlineloans.co.uk.
Understanding Trailer Brake Controllers
Understanding Trailer Brake Controllers
by: Derek Chastain
An electric trailer brake controller is a device that supplies power from a tow vehicle to a trailer's electric brakes. There are two types of brake controllers on the market today - Time Delay Activated and Inertia Activated.
While the controllers operate differently, they are very similar. Both types have the same wiring configuration. Both allow the driver to adjust the amount of braking power and both have a pressure sensitive manual override switch that can be used to apply the trailer brakes independently of the tow vehicle.
Time Delay Activated Brake Controls
Time Delay Activated or "solid state" controllers are enabled by the depressing of the brake pedal in the tow vehicle. Once enabled, time delay activated controllers apply a gradual voltage to the trailer's brakes using a Time Delay Circuit.
The advantages of a solid state brake control unit are the inexpensive cost, low profile, and they can be mounted at any angle. The disadvantages mostly pertain to Hazard Flashers issues. In most applications the digital display will flash with the hazard flashers and if the gain is set aggressively, some pulsing of the trailer brakes may be felt.
Hazard Flasher issues can be resolved by using a Pulse Preventer that will isolate the brake control from the vehicles flashers, thus eliminating the pulsing.
Inertia Activated Brake Controls
Inertia Activated Brake Controllers or Pendulum Style controllers are enabled by the depressing of the brake pedal and activated by a Pendulum Circuit that senses the stopping motion of the vehicle. The Pendulum Circuit applies a proportional voltage to the trailer's brakes.
When the Inertia activated brake control is properly adjusted, the trailer will decelerate at the same speed as the towing vehicle. A result of this is increased braking efficiency and reduced wear on the brakes.
Advantages of pendulum style controllers are efficient braking under a variety of braking conditions including adverse conditions. They also have a smooth braking motion.
Pendulum style controllers have a few disadvantages also. They tend to be larger than solid state controller. They usually more expensive and they must be mounted in a level position. Tekonsha's Prodigy controller is an exception. Due to its innovative technology, it can be mounted in almost any position.
Whether the brake control is Timer Activated or Inertia Activated, the gain can be adjusted by the user. Both feature a pressure sensitive switch that can be used to apply the trailer brakes independent of the tow vehicle. Most importantly, both styles achieve the same goal safely and reliably. Visit http://www.trailerbrakecontrols.com for more information.
About The Author
You may reprint/republish this article on your own site, in your own ezine, auto-responder series, product, bonus items, or any other format you wish as long as you adhere to the following:
1. The article must not be altered in anyway and the links must remain active.
by: Derek Chastain
An electric trailer brake controller is a device that supplies power from a tow vehicle to a trailer's electric brakes. There are two types of brake controllers on the market today - Time Delay Activated and Inertia Activated.
While the controllers operate differently, they are very similar. Both types have the same wiring configuration. Both allow the driver to adjust the amount of braking power and both have a pressure sensitive manual override switch that can be used to apply the trailer brakes independently of the tow vehicle.
Time Delay Activated Brake Controls
Time Delay Activated or "solid state" controllers are enabled by the depressing of the brake pedal in the tow vehicle. Once enabled, time delay activated controllers apply a gradual voltage to the trailer's brakes using a Time Delay Circuit.
The advantages of a solid state brake control unit are the inexpensive cost, low profile, and they can be mounted at any angle. The disadvantages mostly pertain to Hazard Flashers issues. In most applications the digital display will flash with the hazard flashers and if the gain is set aggressively, some pulsing of the trailer brakes may be felt.
Hazard Flasher issues can be resolved by using a Pulse Preventer that will isolate the brake control from the vehicles flashers, thus eliminating the pulsing.
Inertia Activated Brake Controls
Inertia Activated Brake Controllers or Pendulum Style controllers are enabled by the depressing of the brake pedal and activated by a Pendulum Circuit that senses the stopping motion of the vehicle. The Pendulum Circuit applies a proportional voltage to the trailer's brakes.
When the Inertia activated brake control is properly adjusted, the trailer will decelerate at the same speed as the towing vehicle. A result of this is increased braking efficiency and reduced wear on the brakes.
Advantages of pendulum style controllers are efficient braking under a variety of braking conditions including adverse conditions. They also have a smooth braking motion.
Pendulum style controllers have a few disadvantages also. They tend to be larger than solid state controller. They usually more expensive and they must be mounted in a level position. Tekonsha's Prodigy controller is an exception. Due to its innovative technology, it can be mounted in almost any position.
Whether the brake control is Timer Activated or Inertia Activated, the gain can be adjusted by the user. Both feature a pressure sensitive switch that can be used to apply the trailer brakes independent of the tow vehicle. Most importantly, both styles achieve the same goal safely and reliably. Visit http://www.trailerbrakecontrols.com for more information.
About The Author
You may reprint/republish this article on your own site, in your own ezine, auto-responder series, product, bonus items, or any other format you wish as long as you adhere to the following:
1. The article must not be altered in anyway and the links must remain active.
Two and Four Stroke Engines: Fast and Simple Answers.
Two and Four Stroke Engines: Fast and Simple Answers.
by: Daniel Levy
A few fast responses and facts about Two and Four Stroke Engines.
Many years ago when I got hooked by motorcycles, I started to hear a lot about two and four stroke engines... It seemed there were (and there still are) strong opinions in pro and con of each of the engine types.
As Internet wasn't available, and as I was worried about other aspects or motorcycle riding back then, I left that question unanswered for a long time.
If this is your case or if your are interested in these two kind of internal combustion engines, in the next few lines I hope to give you a few fast answers and some resources to get more in depth information.
Just keep reading...
Here are some facts about two and four stroke engines:
TWO STROKE ENGINES
Cycle - Two Strokes:
1. Compression (intake+compression)
2. Combustion (combustion+exhaust)
Take a look at the cycle in: http://science.howstuffworks.com/two-stroke2.htm
Advantages of two stroke engines:
* The engine fires - spark plug ignites - once every revolution of the crankshaft.
* They produce twice the power than four stroke engines.
* They are much simpler than four stroke engines. Fewer parts to worry about.
Disadvantages:
* You have to mix two stroke engine oil with gas, and depending on your consumption, this might be expensive.
* They last less. Lubrication is not as efficient as in a four stroke engine with heavy oil.
* Do not use gas efficiently.
* Pollute more.
FOUR STROKE ENGINES
Cycle - Four Strokes:
1. Intake
2. Compression
3. Combustion
4. Exhaust
Take a look at the cycle in: http://science.howstuffworks.com/engine4.htm
Advantages of four stroke engines:
* Last longer than two stroke engines
* More efficient use of gas
* Pollute less than two stroke engines
Disadvantages:
* More complicated. Many more parts to worry about.
* Half as powerful as two stroke engines (for equivalent engines)
* Fires once every two revolutions.
If you want to learn more about two stroke and four stroke engines, take a look at the pages I mention above. You will find extensive information and diagrams that will solve all of your doubts.
Well I hope this gave you some basic information and helped you answer some FAQ about two and four stroke engines! :-)
Enjoy the ride!
Daniel Levy
About The Author
Daniel Levy is the owner and contributing writer of www.Japanese-Motorcycles-Only.com. He loves motorcycles and Web development. For more great info visit http://www.japanese-motorcycles-only.com.
by: Daniel Levy
A few fast responses and facts about Two and Four Stroke Engines.
Many years ago when I got hooked by motorcycles, I started to hear a lot about two and four stroke engines... It seemed there were (and there still are) strong opinions in pro and con of each of the engine types.
As Internet wasn't available, and as I was worried about other aspects or motorcycle riding back then, I left that question unanswered for a long time.
If this is your case or if your are interested in these two kind of internal combustion engines, in the next few lines I hope to give you a few fast answers and some resources to get more in depth information.
Just keep reading...
Here are some facts about two and four stroke engines:
TWO STROKE ENGINES
Cycle - Two Strokes:
1. Compression (intake+compression)
2. Combustion (combustion+exhaust)
Take a look at the cycle in: http://science.howstuffworks.com/two-stroke2.htm
Advantages of two stroke engines:
* The engine fires - spark plug ignites - once every revolution of the crankshaft.
* They produce twice the power than four stroke engines.
* They are much simpler than four stroke engines. Fewer parts to worry about.
Disadvantages:
* You have to mix two stroke engine oil with gas, and depending on your consumption, this might be expensive.
* They last less. Lubrication is not as efficient as in a four stroke engine with heavy oil.
* Do not use gas efficiently.
* Pollute more.
FOUR STROKE ENGINES
Cycle - Four Strokes:
1. Intake
2. Compression
3. Combustion
4. Exhaust
Take a look at the cycle in: http://science.howstuffworks.com/engine4.htm
Advantages of four stroke engines:
* Last longer than two stroke engines
* More efficient use of gas
* Pollute less than two stroke engines
Disadvantages:
* More complicated. Many more parts to worry about.
* Half as powerful as two stroke engines (for equivalent engines)
* Fires once every two revolutions.
If you want to learn more about two stroke and four stroke engines, take a look at the pages I mention above. You will find extensive information and diagrams that will solve all of your doubts.
Well I hope this gave you some basic information and helped you answer some FAQ about two and four stroke engines! :-)
Enjoy the ride!
Daniel Levy
About The Author
Daniel Levy is the owner and contributing writer of www.Japanese-Motorcycles-Only.com. He loves motorcycles and Web development. For more great info visit http://www.japanese-motorcycles-only.com.
Tunes To Go: Music From Your Computer to Your Car
Tunes To Go: Music From Your Computer to Your Car
by: ARA Content
(ARA) - The digital audio revolution is in full swing as music lovers worldwide are using their computers as high-tech jukeboxes.
But you're not just limited to listening to songs on your PC while you check your e-mail. It's easier than ever to manage your collection and listen to it in your car, whatever your destination.
"It's great to hit the road and hear hours of the songs you want, when you want them. You're no longer confined to hearing only the radio, or swapping CDs on the front seat," said Dan Hodgson, senior vice president of Merchandising at Crutchfield Corporation, the leading Internet and catalog retailer of consumer electronics.
Several innovative and easy-to-use products help you move music from your PC to your car's sound system. Here are some quick pointers for getting your "tunes to go."
First, get the music you want to your PC. You can download files from the Internet, most commonly in the MP3 format, or copy tracks from your current CDs, using widely-available music management software.
Once you've got your music library, it's time to make it portable. Popular options include using a CD recorder in your computer to "burn" a disc of MP3-encoded songs, or storing your files on memory card devices that link to your computer through a docking station.
* Replacing your car stereo receiver with one that plays MP3-encoded CDs is a popular way to listen to your PC music on the go. Since an MP3-encoded CD holds about 10 hours of music, you won't have to be flipping through endless CD cases in your car.
Many receivers, especially older ones, don't understand the MP3 code. But almost every manufacturer now makes one or more receivers for MP3 CD playback. With these, you can record a CD at home and simply slip it into your car receiver. Most receivers will even flash the titles for you.
* If you have a portable MP3 player (or an MP3-compatible CD player), you don't need a special in-dash receiver. Just look for one that has an "aux in" -- an auxiliary input where you can plug your player directly into the head unit using a mini-jack. You'll hear your music played from your player through your car's sound system, though most systems aren't set up to scroll through song titles.
* For users who prefer even more songs and higher-tech equipment, Sony and Pioneer offer mobile hard drive devices. These products store massive amounts of music on their hard drives, like a computer. To move files from computer to car, they use a cartridge or other removable memory devices.
Another option is to use "mini-computers" that link to your receiver and your PC. For example, the Kenwood Music Keg (KHD-CX910) has a 10 gigabyte storage cartridge that can store and play back roughly 2,500 MP3-encoded songs through Kenwood car receivers. Blaupunkt has a compact MP3 drive (MDP01) that will hold about 18 hours of music. You'll be able to drive halfway across the country and never hear the same tune twice.
Consumers can find complete information on mobile audio at www.crutchfield.com/infolib.
About The Author
Courtesy of ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
EDITOR'S NOTE: For more information, contact Alan Rimm-Kaufman, (804) 817-1000, ext. 2301.
Founded in 1974, Crutchfield Corporation is the nation's largest direct integrated marketer (catalog, call center, and Internet) of consumer electronics products. It offers a convenient, full-service shopping destination to buyers of car and home audio/video products. Providing a superior level of customer service, Crutchfield is noted for its high integrity, product expertise, and technical support. Mailed to approximately 8.5 million households, Crutchfield's catalogs include comprehensive explanations of product and technology intended to help consumers make informed buying decisions. Crutchfield was the first vendor-authorized audio/video retailer on the Internet, launching its Web site (www.crutchfield.com) in the summer of 1995.
by: ARA Content
(ARA) - The digital audio revolution is in full swing as music lovers worldwide are using their computers as high-tech jukeboxes.
But you're not just limited to listening to songs on your PC while you check your e-mail. It's easier than ever to manage your collection and listen to it in your car, whatever your destination.
"It's great to hit the road and hear hours of the songs you want, when you want them. You're no longer confined to hearing only the radio, or swapping CDs on the front seat," said Dan Hodgson, senior vice president of Merchandising at Crutchfield Corporation, the leading Internet and catalog retailer of consumer electronics.
Several innovative and easy-to-use products help you move music from your PC to your car's sound system. Here are some quick pointers for getting your "tunes to go."
First, get the music you want to your PC. You can download files from the Internet, most commonly in the MP3 format, or copy tracks from your current CDs, using widely-available music management software.
Once you've got your music library, it's time to make it portable. Popular options include using a CD recorder in your computer to "burn" a disc of MP3-encoded songs, or storing your files on memory card devices that link to your computer through a docking station.
* Replacing your car stereo receiver with one that plays MP3-encoded CDs is a popular way to listen to your PC music on the go. Since an MP3-encoded CD holds about 10 hours of music, you won't have to be flipping through endless CD cases in your car.
Many receivers, especially older ones, don't understand the MP3 code. But almost every manufacturer now makes one or more receivers for MP3 CD playback. With these, you can record a CD at home and simply slip it into your car receiver. Most receivers will even flash the titles for you.
* If you have a portable MP3 player (or an MP3-compatible CD player), you don't need a special in-dash receiver. Just look for one that has an "aux in" -- an auxiliary input where you can plug your player directly into the head unit using a mini-jack. You'll hear your music played from your player through your car's sound system, though most systems aren't set up to scroll through song titles.
* For users who prefer even more songs and higher-tech equipment, Sony and Pioneer offer mobile hard drive devices. These products store massive amounts of music on their hard drives, like a computer. To move files from computer to car, they use a cartridge or other removable memory devices.
Another option is to use "mini-computers" that link to your receiver and your PC. For example, the Kenwood Music Keg (KHD-CX910) has a 10 gigabyte storage cartridge that can store and play back roughly 2,500 MP3-encoded songs through Kenwood car receivers. Blaupunkt has a compact MP3 drive (MDP01) that will hold about 18 hours of music. You'll be able to drive halfway across the country and never hear the same tune twice.
Consumers can find complete information on mobile audio at www.crutchfield.com/infolib.
About The Author
Courtesy of ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
EDITOR'S NOTE: For more information, contact Alan Rimm-Kaufman, (804) 817-1000, ext. 2301.
Founded in 1974, Crutchfield Corporation is the nation's largest direct integrated marketer (catalog, call center, and Internet) of consumer electronics products. It offers a convenient, full-service shopping destination to buyers of car and home audio/video products. Providing a superior level of customer service, Crutchfield is noted for its high integrity, product expertise, and technical support. Mailed to approximately 8.5 million households, Crutchfield's catalogs include comprehensive explanations of product and technology intended to help consumers make informed buying decisions. Crutchfield was the first vendor-authorized audio/video retailer on the Internet, launching its Web site (www.crutchfield.com) in the summer of 1995.
Trekking the Best ATV Trails
Trekking the Best ATV Trails
by: Mitch Johnson
Throughout North America and many other parts of the world ATVs and
dirt bike off road trail parks and facilities continue to grow. As the
sport of ATV racing and recreational off road riding becomes more
popular, the success of established trails encourages additional riding areas
to be developed.
The growing number of enthusiastic ATV riders is not the only cause for
a demand of more trails. All ATV riders, new and old, want more trails
for the challenge. ATVers demand new trails because they strive to
conquer anything they can. Riding off road with ATVs has become a sport
many dedicate themselves to, but there are just as many people who enjoy
the sport on a sporadic basis.
Renting ATVs and riding the trails is not an uncommon tourist
attraction in many areas of the United States. Because of this many people have
experienced and enjoyed ATV riding at some of the trail parks around
the nation. Some now dedicated ATV riders started out by taking a
recreational off road drive at one of these tourist trail parks.
Perhaps some of the most extravagant ATV and dirt bike trails
established are those in the Appalachian Mountains in West Virginia. The
Hatfield-McCoy Trails stretch for over 500 miles and growing. They have come
to be known as “Trails Heaven.” These ATV trails attract all types of
rider and accommodations for the different crowds are abundant.
In the areas surrounding “Trails Heaven” there are hotels, bed and
breakfast inns, ATV rentals shops, ATV and dirt bike mechanical shops,
guided tours and other activities to fill a weekend vacation. This area is
the place to be for any of the ATV racing, riding and special events
you are interested in. Bringing your own off road vehicle is allowed at
“Trails Heaven,” but a permit is required for all riders, rental or
other.
The Hatfield-McCoy Trails are also the host of several high scale ATV
and dirt bike riding events throughout the year. These are the events
where you can meet hundreds of fellow ATV enthusiasts. In 2005 there
will be an ATV/dirt bike jamboree for riders to participate in. The
Appalachian trails also coordinate a Dirt Days riding event. They will
also be the host for the National ATV and dirt bike rally week in ’05.
Places like “Trails Heaven” are a great riding spot for ATVers of any
skill level because they have the proper accommodations for all. There
are many other similar ATV trails established, however, if you are a
regular rider, you probably want to find your own, local trails and make
the big trail parks a weekend event.
Whether you are new to the sport or just looking for some new trails to
experience, there are several web sites that help you locate the right
place. At trailsource.com you can choose a region anywhere in the
world to search for a specific ATV riding area. ATVTrails.org does the
same, but for United States trails only. With these search tools you can
find a local riding spot, or plan to visit the large, high traffic
trails for a weekend, such as at the Hatfield-McCoy Trails.
Mitch Johnson is a successful freelance author that writes regularly for http://www.atv-parts-n-accessories.com/, a site that focuses exclusively on atv reviews, as well as tips on
choosing parts and accessories. His articles have also been featured on recreational automotive sites such as:
http://www.go-cart-plans-n-kits.com/ and
http://www.best-scooters-n-mopeds.com/
About the Author
Mitch Johnson is a successful freelance author that writes regularly for http://www.atv-parts-n-accessories.com/, a site that focuses exclusively on atv reviews, as well as tips on choosing parts and accessories. His articles have also been featured on recreational automotive sites such as:
http://www.go-cart-plans-n-kits.com/ and
http://www.best-scooters-n-mopeds.com/
by: Mitch Johnson
Throughout North America and many other parts of the world ATVs and
dirt bike off road trail parks and facilities continue to grow. As the
sport of ATV racing and recreational off road riding becomes more
popular, the success of established trails encourages additional riding areas
to be developed.
The growing number of enthusiastic ATV riders is not the only cause for
a demand of more trails. All ATV riders, new and old, want more trails
for the challenge. ATVers demand new trails because they strive to
conquer anything they can. Riding off road with ATVs has become a sport
many dedicate themselves to, but there are just as many people who enjoy
the sport on a sporadic basis.
Renting ATVs and riding the trails is not an uncommon tourist
attraction in many areas of the United States. Because of this many people have
experienced and enjoyed ATV riding at some of the trail parks around
the nation. Some now dedicated ATV riders started out by taking a
recreational off road drive at one of these tourist trail parks.
Perhaps some of the most extravagant ATV and dirt bike trails
established are those in the Appalachian Mountains in West Virginia. The
Hatfield-McCoy Trails stretch for over 500 miles and growing. They have come
to be known as “Trails Heaven.” These ATV trails attract all types of
rider and accommodations for the different crowds are abundant.
In the areas surrounding “Trails Heaven” there are hotels, bed and
breakfast inns, ATV rentals shops, ATV and dirt bike mechanical shops,
guided tours and other activities to fill a weekend vacation. This area is
the place to be for any of the ATV racing, riding and special events
you are interested in. Bringing your own off road vehicle is allowed at
“Trails Heaven,” but a permit is required for all riders, rental or
other.
The Hatfield-McCoy Trails are also the host of several high scale ATV
and dirt bike riding events throughout the year. These are the events
where you can meet hundreds of fellow ATV enthusiasts. In 2005 there
will be an ATV/dirt bike jamboree for riders to participate in. The
Appalachian trails also coordinate a Dirt Days riding event. They will
also be the host for the National ATV and dirt bike rally week in ’05.
Places like “Trails Heaven” are a great riding spot for ATVers of any
skill level because they have the proper accommodations for all. There
are many other similar ATV trails established, however, if you are a
regular rider, you probably want to find your own, local trails and make
the big trail parks a weekend event.
Whether you are new to the sport or just looking for some new trails to
experience, there are several web sites that help you locate the right
place. At trailsource.com you can choose a region anywhere in the
world to search for a specific ATV riding area. ATVTrails.org does the
same, but for United States trails only. With these search tools you can
find a local riding spot, or plan to visit the large, high traffic
trails for a weekend, such as at the Hatfield-McCoy Trails.
Mitch Johnson is a successful freelance author that writes regularly for http://www.atv-parts-n-accessories.com/, a site that focuses exclusively on atv reviews, as well as tips on
choosing parts and accessories. His articles have also been featured on recreational automotive sites such as:
http://www.go-cart-plans-n-kits.com/ and
http://www.best-scooters-n-mopeds.com/
About the Author
Mitch Johnson is a successful freelance author that writes regularly for http://www.atv-parts-n-accessories.com/, a site that focuses exclusively on atv reviews, as well as tips on choosing parts and accessories. His articles have also been featured on recreational automotive sites such as:
http://www.go-cart-plans-n-kits.com/ and
http://www.best-scooters-n-mopeds.com/
Trailer Buying Guide
Trailer Buying Guide
by: Derek Chastain
Thinking about buying a cargo trailer, horse trailer or even a motorcycle trailer but aren't sure which trailer to buy? As you might have realized, choosing a trailer now-a-days can be perplexing. It's not surprising given the amount of trailer manufacturers and different types of trailers available.
There are many factors to consider when purchasing a trailer. One of the first considerations is to choose an established trailer manufacturer. As with most everything, you usually get what you paid for, so try to choose the best trailer that you can afford.
Deciding on what type of trailer you need for your application will help in narrowing down the manufacturers. There are trailers for almost every conceivable type of cargo, from motorcycles to horses to concessions. If you have to haul it, then there's a trailer made to haul it or at least one that can easily be converted to do the job.
After choosing a manufacturer, figure out what size trailer you'll need. Trailers come in several different widths and lengths. If you're considering an enclosed trailer, you'll also need to consider the height of the interior. If your trailer towing needs require that you spend very much time inside the trailer, choose one with enough interior height to keep you from bending your neck or back when standing.
Open or Enclosed Trailers
The next step in choosing a trailer is figuring out whether you will need an open or an enclosed trailer. An open trailer is one which exposes the cargo to the outside elements. If inclement weather isn't a factor for your cargo, then an open trailer may be the most economical choice. Open utility trailers can range in price from about $900 to $2500 new.
Open utility trailers are well suited for many applications including small landscaping businesses that are just starting out and need a way to haul their landscape equipment. As their business grows and they decide to move up to an enclosed trailer, the open utility trailer will still be incredibly useful for hauling all sorts of material such as mulch, rock and plants.
Another plus for open trailers is their weight. Open utility trailers tend to be lighter and provide less aerodynamic drag than enclosed trailers.
While open trailers are economical and very useful, they do not provide the protection from the outside environment that an enclosed trailer will. Enclosed trailers also offer an added measure of security because the trailer functions as a portable, lockable storage building.
Enclosed trailers tend to be heavier and less aerodynamic than open trailers. Enclosed trailers usually cost in the $1600 to $5000 range new, but can go much higher.
Single or Tandem Axle
Once you've decided on either an open utility trailer or an enclosed cargo trailer, you'll need to decide whether the trailer should have a single axle, dual axle or possibly even three to four axles.
Single axle trailers have just one load bearing axle. Trailers with single axles come with and without brakes, but as a general rule of thumb, most single axle open and enclosed trailers come without brakes. If you plan on hauling more than 3000 lbs, trailer brakes need to be considered. In fact, it's a legal requirement in most states.
Anything heavier than 3000 lbs should be hauled on a dual axle trailer, be it an open or enclosed trailer. Dual axle trailers use two load bearing axles and usually feature either leaf springs or independent torsion bar suspensions. Brakes are recommended for dual axle trailers and again may be required depending upon where you live. Also, dual axle trailers tend to track more accurately than single axle trailers over varying road surfaces.
Rear Access
If you decide on an enclosed trailer, next you have to decide on either a ramp rear door, double rear doors or one single barn-type door. Choosing the type of rear access will greatly depend on the cargo you intend to haul. If you're going to be hauling a motorcycle, race car or any other type vehicle, then a ramp rear door will provide the easiest loading and unloading method.
Be sure though when purchasing a trailer with a ramp door that the ramp is spring assisted as some of the ramp doors can be very heavy. Ramps are also nice for hauling furniture or other heavy items where you'll be using a dolly to load and unload them.
If you will be using the trailer quite often and will be in and out of it, then a ramp can become rather cumbersome. Enter double door trailers. It is much easier to open the doors, step in and get the tool or item you need and then step out and close the door than it is to drop a ramp every time you need access. Too, you have to consider the clearance needed for opening a ramp rear door.
Single barn type rear doors are usually found on smaller enclosed trailers and are comparable in convenience to double rear doors.
Trailer manufacturers are aware of the ramp issue and most now add a side door for access to their enclosed trailers giving those that require a ramp the best of both worlds.
Trailer Brakes
In addition to the various types of trailers, there are several types of trailer braking systems.
Electric braking systems are the most common type of braking systems found on trailers today. These type braking systems connect the brake system on the tow vehicle to the brake system on the trailer. This is accomplished by installing a brake controller inside the tow vehicle. The controller senses the braking force of the tow vehicle and in turn activates the brakes on the trailer.
A hydraulic surge brake system consists of an actuating cylinder that is usually integrated with the trailer tongue assembly. As the tow vehicle applies its brakes, the "surge" of the trailer towards the decelerating tow vehicle compresses the surge actuator. As this cylinder is compressed, force is applied to the master cylinder and from there to the braking cylinders.
Surge braking systems are more expensive and usually only needed if you'll be using several different tow vehicles that would each require a brake controller.
Electric brakes are usually preferred over surge brakes because their operation is independent from the tow vehicle. If for some reason the tow vehicle loses its brakes, there would not be enough deceleration surge to activate the surge brakes. However, with electric brakes, the driver could manually activate the brake controller thus allowing the trailer to slow the entire rig.
In some states, any trailer with brakes is required to have a breakaway system. In the event that the trailer becomes disconnected from the tow vehicle, the trailer brakes would apply automatically to stop the run away trailer. Trailer equipped with electric brakes carry a separate battery to activate the breakaway systems. Surge brakes use a cable that locks the breaks in a breakaway situation.
Informed Buying
The most important aspect of buying a trailer is to be an informed buyer. Ask lots of questions. Any reputable dealer will be glad to answer your questions and in fact, should ask you a lot of questions regarding your intended cargo load. Ask about the warranty. Does the manufacturer stand behind its work? Most established manufacturers offer a very good warranty program and will go out of their way to satisfy a customer.
To help in your search for the perfect trailer, you can visit http://www.trailershopper.com where you'll find hundreds of new and used trailers for sale by individuals and dealers.
About The Author
Derek Chastain
Derek is the webmaster for http://www.trailershopper.com, an online resource for buying and selling trailers of all types.
You may reprint this article on your site, ezine or newsletter as long as the link to http://www.trailershopper.com is not removed.
by: Derek Chastain
Thinking about buying a cargo trailer, horse trailer or even a motorcycle trailer but aren't sure which trailer to buy? As you might have realized, choosing a trailer now-a-days can be perplexing. It's not surprising given the amount of trailer manufacturers and different types of trailers available.
There are many factors to consider when purchasing a trailer. One of the first considerations is to choose an established trailer manufacturer. As with most everything, you usually get what you paid for, so try to choose the best trailer that you can afford.
Deciding on what type of trailer you need for your application will help in narrowing down the manufacturers. There are trailers for almost every conceivable type of cargo, from motorcycles to horses to concessions. If you have to haul it, then there's a trailer made to haul it or at least one that can easily be converted to do the job.
After choosing a manufacturer, figure out what size trailer you'll need. Trailers come in several different widths and lengths. If you're considering an enclosed trailer, you'll also need to consider the height of the interior. If your trailer towing needs require that you spend very much time inside the trailer, choose one with enough interior height to keep you from bending your neck or back when standing.
Open or Enclosed Trailers
The next step in choosing a trailer is figuring out whether you will need an open or an enclosed trailer. An open trailer is one which exposes the cargo to the outside elements. If inclement weather isn't a factor for your cargo, then an open trailer may be the most economical choice. Open utility trailers can range in price from about $900 to $2500 new.
Open utility trailers are well suited for many applications including small landscaping businesses that are just starting out and need a way to haul their landscape equipment. As their business grows and they decide to move up to an enclosed trailer, the open utility trailer will still be incredibly useful for hauling all sorts of material such as mulch, rock and plants.
Another plus for open trailers is their weight. Open utility trailers tend to be lighter and provide less aerodynamic drag than enclosed trailers.
While open trailers are economical and very useful, they do not provide the protection from the outside environment that an enclosed trailer will. Enclosed trailers also offer an added measure of security because the trailer functions as a portable, lockable storage building.
Enclosed trailers tend to be heavier and less aerodynamic than open trailers. Enclosed trailers usually cost in the $1600 to $5000 range new, but can go much higher.
Single or Tandem Axle
Once you've decided on either an open utility trailer or an enclosed cargo trailer, you'll need to decide whether the trailer should have a single axle, dual axle or possibly even three to four axles.
Single axle trailers have just one load bearing axle. Trailers with single axles come with and without brakes, but as a general rule of thumb, most single axle open and enclosed trailers come without brakes. If you plan on hauling more than 3000 lbs, trailer brakes need to be considered. In fact, it's a legal requirement in most states.
Anything heavier than 3000 lbs should be hauled on a dual axle trailer, be it an open or enclosed trailer. Dual axle trailers use two load bearing axles and usually feature either leaf springs or independent torsion bar suspensions. Brakes are recommended for dual axle trailers and again may be required depending upon where you live. Also, dual axle trailers tend to track more accurately than single axle trailers over varying road surfaces.
Rear Access
If you decide on an enclosed trailer, next you have to decide on either a ramp rear door, double rear doors or one single barn-type door. Choosing the type of rear access will greatly depend on the cargo you intend to haul. If you're going to be hauling a motorcycle, race car or any other type vehicle, then a ramp rear door will provide the easiest loading and unloading method.
Be sure though when purchasing a trailer with a ramp door that the ramp is spring assisted as some of the ramp doors can be very heavy. Ramps are also nice for hauling furniture or other heavy items where you'll be using a dolly to load and unload them.
If you will be using the trailer quite often and will be in and out of it, then a ramp can become rather cumbersome. Enter double door trailers. It is much easier to open the doors, step in and get the tool or item you need and then step out and close the door than it is to drop a ramp every time you need access. Too, you have to consider the clearance needed for opening a ramp rear door.
Single barn type rear doors are usually found on smaller enclosed trailers and are comparable in convenience to double rear doors.
Trailer manufacturers are aware of the ramp issue and most now add a side door for access to their enclosed trailers giving those that require a ramp the best of both worlds.
Trailer Brakes
In addition to the various types of trailers, there are several types of trailer braking systems.
Electric braking systems are the most common type of braking systems found on trailers today. These type braking systems connect the brake system on the tow vehicle to the brake system on the trailer. This is accomplished by installing a brake controller inside the tow vehicle. The controller senses the braking force of the tow vehicle and in turn activates the brakes on the trailer.
A hydraulic surge brake system consists of an actuating cylinder that is usually integrated with the trailer tongue assembly. As the tow vehicle applies its brakes, the "surge" of the trailer towards the decelerating tow vehicle compresses the surge actuator. As this cylinder is compressed, force is applied to the master cylinder and from there to the braking cylinders.
Surge braking systems are more expensive and usually only needed if you'll be using several different tow vehicles that would each require a brake controller.
Electric brakes are usually preferred over surge brakes because their operation is independent from the tow vehicle. If for some reason the tow vehicle loses its brakes, there would not be enough deceleration surge to activate the surge brakes. However, with electric brakes, the driver could manually activate the brake controller thus allowing the trailer to slow the entire rig.
In some states, any trailer with brakes is required to have a breakaway system. In the event that the trailer becomes disconnected from the tow vehicle, the trailer brakes would apply automatically to stop the run away trailer. Trailer equipped with electric brakes carry a separate battery to activate the breakaway systems. Surge brakes use a cable that locks the breaks in a breakaway situation.
Informed Buying
The most important aspect of buying a trailer is to be an informed buyer. Ask lots of questions. Any reputable dealer will be glad to answer your questions and in fact, should ask you a lot of questions regarding your intended cargo load. Ask about the warranty. Does the manufacturer stand behind its work? Most established manufacturers offer a very good warranty program and will go out of their way to satisfy a customer.
To help in your search for the perfect trailer, you can visit http://www.trailershopper.com where you'll find hundreds of new and used trailers for sale by individuals and dealers.
About The Author
Derek Chastain
Derek is the webmaster for http://www.trailershopper.com, an online resource for buying and selling trailers of all types.
You may reprint this article on your site, ezine or newsletter as long as the link to http://www.trailershopper.com is not removed.
Traffic Zoology
Traffic Zoology
by: Matthew Frederick Davis Hemming
There is a secret zoo that runs encaged along the roads.
They are liquid, semi-visible goliaths that rage through the streams and chunks of ordinary traffic, with the effervescent tendrils of mile-long tales whipping behind them like Chinese dragons. Though composed of hundreds of pounds of steel, glass and plastic, they are able to pass through solid objects. They are bound by the laws of the highway, but not by any conventional notion of time or space.
They are Aggregate Traffic Animals: a menagerie of emergent beasts drawn from the interacting behaviours of many individual human beings driving many individual cars with many individual goals, their collective activity giving rise to something with greater presence, power and purpose than the sum of its constituents. They take on a host of different forms, each to serve a different end.
They are real, and they drive among us.
Preamble
In his introduction to The Extended Phenotype (Oxford University Press, 1982) enthusiastic evolutionary biology cheerleader and Commodore-hacking pop-science guru Richard Dawkins invites us to consider the Necker Cube Illusion: a two-dimensional image representing two interlocked three-dimensional blocks in which the foreground and background can seem to flip back and forth as the brain fruitlessly seeks the "true" interpretation of the depicted space. This is Dawkins' starting point for a thought experiment in which he blurs the lines between species, their genes and the environment, calling into question the traditional boundaries drawn through biological systems to identify the relevant level of study. To wit, to wank:
We look at life and begin by seeing a collection of interacting individual organisms. We know that they contain smaller units, and we know that they are, in turn, parts of larger composite units, but we fix our gaze on the whole organisms. Then suddenly the image flips. The individual bodies are still there; they have not moved, but they seem to have gone transparent...
In other words, if you are able to de-emphasise the organism itself you are free to appreciate the idea of beaver ponds as artificial lakes generated by beaver genes, or to see a spider's web as an arrangement of silk drawn by DNA. By extending the lines with which we bound the traditional phenotype, we define new organisms, merging technology and individuals into communities the same way that ancient micro-organisms interacting inside bilipid membranes fell into symbiotic lockstep dances to found the first stable cells.
Organelles, cells, bodies, herds: at which level we discern the animal is purely a matter of focus.
This idea of the emergent animal or "super-organism" is hardly particular to Dawkins: William Morton Wheeler remarked on the idea in his 1911 paper "The Ant Colony as an Organism" in a treatment that is every bit as cogent but with considerably less otaku chic than Kevin Kelly's printed-soundbyte manifesto on hive complexity, Out of Control (Perseus Books, 1994). In the words of Kelly:
There is nothing to be found in a beehive that is not submerged in a bee. And yet you can search a bee forever with cyclotron and fluoroscope, and you will never find a hive.
So too can you examine a driver in a car and know nothing about the greater animal in which they both participate when the circumstances are right. Some of the applicable forces can be seen most clearly in the rarified environment of the professional race course, as explored by David Ronfeldt, a senior social scientist at RAND, in his 2002 paper Social Science at 190 MPH on NASCAR's Biggest Superspeedways, where fleeting moments of co-operation between rivals are necessary in order to win. Ronfeldt focuses in particular on the phenomenon of draft line formation, which is similar to the way flocking birds can share aerodynamic advantage. Like iron filings in a magnetic field, the large-scale distribution of opportunistically partnering cars are drawn into predictable macro-scale patterns across the speedway:
Once the racers sort themselves out - after ten to twenty laps - it is common to see a single draft line of four to seven cars running in front, pursued a hundred or so yards back by a second line of cars, all another hundred or so yards ahead of a large pack of cars that may still be running in parallel lines but are doing more dicing than drafting...Cars that run alone, often stuck dangerously between two draft lines, will appear to drift irrevocably backward.
Freed of the bonds of racing's formalism, the Aggregate Traffic Animals are born, rooted in transient symbioses between individual patches of drivers that will crystalise into the organs of the beast. But the circumstances have to be just right for one to emerge. The unholy Hieronymus Bosch-style concert of homicidal applied-shadenfreude that may characterise your urban, intra-urban or sub-urban driving experience is not ripe ground for ATA growth: too frothy.
The sociological and scatological dances of the megalopolis rushhour, too, are beyond the scope of this article, and are at any rate most likely best explored with deep computer simulations using high-tech cellular automata tools with average driver profiles linked to real-world statistics of roadway usage coupled with an army of ten thousand angry ax-wielding orcs battling an equal number of obedient clonetroopers.
Rather, this field is perfect fodder for the amateur ethologist, observing phenomena with a keen eye, an open mind and a sharp pencil. And while much has been written about manipulating traffic waves, the dynamics of traffic jams and phase-transitions in traffic density, very little time has been devoted to the observation and cataloguing of persistent multi-car zoomorphia.
Early Observations
The author first became aware of the existence of ATAs while making his way through the hinterland of Canada on a long, mid-winter solo drive in a decrepit Dodge Charger with no functioning radio. Due to his dangerous penchant for immersive daydreaming in the absence of external stimuli, he began to parasite his driving decisions by locking in behind another car with comparable speed ambitions. By reserving a sliver of awareness for tracking the red brake lights of the "lead" car for changes in speed or direction, the author was able to comfortably enjoy his trance while a hefty burden of road awareness was outsourced to the other driver, causing the front car to function as a sort of early warning mechanism for changing conditions (including the Mounties' speed-traps).
The notion resurfaced while the author was wrestling a dented Volkswagen Rabbit rental down a twisting, pot-holed two-lane jungle highway through the Mexican state of Quintana Roo. As the journey began he found himself hedged inside a short parade of other tourists, all driving their rental cars out of the airport at around the same time at a hesitant pace, breaking frequently to process the unfamiliar leafy darkness ahead. Fearing injury, the author laterally-leapfrogged the indecisive parade and drove on into the murk alone. Remembering his success in the far north, he latched onto the back of a local vehicle (a home-modded convertible Beetle carrying ten people, standing room only), using its varying speed as an indicator of road conditions. Unexpectedly, this move was noticed by several of the other tourists, who began to fight to separate themselves from the melee and join the newer, more surefooted pack that was rapidly pulling ahead...
By the time the author had reached his exit the impromptu fleet of vehicles had become a persistent, homeostatic phenomenon. The fleet had quickly learned to manipulate the spacing between its components in order to remain permeable to faster moving local traffic while defending its integrity against more disruptive external vehicles. Pulses of communication signifying when the passing lane was clear rippled down the chain through a conscientious leaning into the gravel shoulder, assisting in the process of expectorating invaders. Several of the original tourist vehicles ended up being swapped out for other vehicles without rocking the boat. Later on, even the leader was swapped out for another experienced local car.
It was a fetching game, contributing to the welfare of all of its players in an interesting way, but it was not a true ATA. It was too conscious a contrivance to be anything more than a delightful spontaneous social event.
You see, a distributed animal with human components can be very sensitive to perturbations from within. It is only when the conflicting threads of goals, reasoning and competition between individual human minds are quietened into the background noise that the soil can truly be ripe to raise a complex beast. When drivers can fall into a semi-hypnotic state and their herd instincts take over, the seeds are laid for something greater.
Habitat
While there are thousands of traffic animal breeding grounds along the paved networks of the world, only one driving region has been extensively explored at this time, largely due to budgetary considerations.
The TransCanada Highway is a nearly ideal environment for the production of large-scale ATA phenomena, due in great part to the simplicity of its shape: all cars are moving either westbound or eastbound, streamlining the goals of the drivers in much the same way as the shape of the Daytona superspeedway encourages drafting partnerships (see above). Also, because there are long stretches through lonely wilderness and semi-tundra, nascent traffic animals have a long period in which to mature before coming against obstacles like influxes of new cars or navigating around towns; and because the highway wends its way directly through most of Canada's major cities, it provides a handy litmus test for the homeostatic integrity of a given specimen simply by observing whether or not it makes it through to the other side of the urban area intact.
While daytime ATA formation is not rare, it is under the cover of darkness that development can proceed in a comparatively unfettered fashion. This is due in large part to the more abstract, disconnected experience of interacting with other vehicles merely as points of coloured light. Familiar prejudices and stereotypes -- potential sources of destructive competition -- are smoothed out by the shadows. At least on the basis of visual impressions, a Volvo and a Camaro can enter a system as peers.
Diminished visibility resulting from mild to moderate weather conditions can have a similar equalising effect, but when conditions become too severe drivers tend to clump into packs for safety, leading to pseudo-ATA fleets that are all too conscious social events (as in the Quintana Roo experience).
Show me an autumn stretch of prairie transcontinental highway at twilight, and I will show you the secret zoo of the road.
Typical Morphologies
The most basic form of multi-car life is the Asipetal Caterpillar, also known as a worm. Worms begin when a stable solo vehicle spawns a linear, single-lane chain of vehicles composed of loose monomers joining at the rear (a closely related, but dysfunctional, construct known as an Acropetal Caterpillar grows by adding vehicles to the front of the chain, generally leading to destructive diffusion or autolysis). Short, lithe worms are the fundamental building blocks of healthy ATA tissue. Perverse, long-form worms are the seeds of congestion and death.
The second atomic element of ATA tissue stands in stark contrast to the worm, for it is a fleeting thing, and when it takes concrete form at all it is often manifested as a single car. The Apparent Coxswain is a vehicle that appears, to the conscious or semi-conscious mind of one or more drivers, to be a leader of the worm. When the Apparent Coxswain changes lanes, there is a higher probability that a majority of the worm will follow suit than if the change were initiated by a less trusted vehicle. In many cases each car in a worm perceives the car immediately ahead of it to be the Apparent Coxswain, leading to domino-effect lane-transitions; such formations have high homeostatic integrity because of the worm's ability to "find a new head" should one Apparent Coxswain be lost to the currents. (Please note: the Apparent Coxswain should not be confused with the Virtual Coxswain or the Napoleonic Coxswain, discussed below.)
Formations that achieve such integration become Cholingers: Asipetal Caterpillars with tightly-integrated internal feedback systems of Apparent Coxswains, capable of transmitting information from tip to tail with high fidelity. Cholingers can slither to avoid torn tyres on the road, twitch around slow-moving vehicles, and even slip through packs of alien worms, wild axenes and other traffic froth to arrive on the other side intact.
Of course, not all Cholingers slip through the strangers: sometimes they interact.
Every Cholinger is either benthic or pelagic. Benthic Cholingers travel at a similar rate to the currents of the road, while Pelagic Cholingers travel at a dissimilar rate when compared to other traffic (typically a faster rate). It is possible, however, for a benthic line to be picked up and carried along by a pelagic cousin, leading to a coupled form. This is the first real Aggregate Traffic Animal we will meet tonight: a bilaterally asymmetrical diageotrope known as the Epiphysian Cyclosalp.
Within the body of the Cyclosalp the individual Cholingers are transmuted into a pair of Librigenates -- stretchy, free-flowing tissue that is bounded in space by the relationship with its partner, the accelerating pelagic lobe sliding forward and the steady benthic lobe catching up in a slow-motion slingshot, compressing and expanding between the loose, senseless clumps of other cars. This accordion-like effect might initially seem to be a force tearing the animal apart, rending pelagic from benthic -- and this is indeed what might happen in too rarified an atmosphere -- but when presented with obstacles of any kind, the Librigenates that comprise the Cyclosalp fall back on their Cholinger heritage of local integrity, crystallising en masse to navigate the hazard.
Unfettered, the Epiphysian Cyclosalp is like half a butterfly, its riparian body gilded by a slowly flapping wing of accelerating, gliding Librigenates ebbing and flowing in a stately round. Its insides whorl as partners switch places, benthic turning briefly pelagic, pacer cars joining a rippling pulse of local inertia forward, headlights cross-sweeping.
It is beyond the scope of this article to detail the myriad circumstances that provide seed for the profitable entanglement of multiple Cyclosalpic streams. So diverse are the possibilities that we could fill a Biblical tome without scratching the surface, without revealing the common thread of simplicity upon which the complexity hinges. Suffice to say the larger clade includes such varied forms as the whiplashing Epinastic Tricyclosalp, the many-fingered Dicyclosalp Fimbriatum, and the diaphanous, fleeting wonder of the mile-long Merosporangic Super-Cyclosalp...
Of course, not all Asipetal Caterpillars grow up to become stately Cholingers; instead, they lock into Lego-like bricks of uniform properties called Pycnoblastoids. While short-lived Apiculate Pycnoblastoids (in which the Apparent Coxswain is always the most forward car) are more common, it is the more flexible Laxiflorous Pycnoblastoid (in which the Apparent Coxswain is any car except that most forward) that lives a more fruitful life.
For instance, consider the case of a typical composite entity like a Tripycnoblastic Oomycotum, in which independent pycnoblasts jockey for position internally directly or by proxy through one or more Napoleonic Coxswains (that is, drivers who suffer from the delusion that they are single-handedly responsible for steering/leading their local sub-structure). The domino-line behaviour of an Apiculate Pycnoblastoid makes it too brittle to survive the stresses of being permeated by a competing pycnoblast, whereas the comparatively elastic structure of the Laxifloroid -- imparted due to the inherent time delay involved in co-ordinating with a mid-fleet Apparent Coxswain -- retains a perfect balance of rigidity and looseness, riding a line between orchestration and dissolution that makes composite forms like Oomycota possible.
Pycnoblastic tissue is unusual in that it makes use of some level of awareness on the part of the driver that they are participating in a formation (though drivers are only likely to be aware of the local level of structure). When this awareness reaches a certain level the composite entity is usually destroyed by internal stresses, but occasionally a dissolving multi-pycnoblast will emit a stream of highly energised vehicles -- the Apheresoid Lirellate, a concentrated apiculatoid pycnoblast flung free from the miasma of death to rocket away, using for a coxswain the abandoned carcass itself.
...These are but the fringes of the zoo, the tip of the iceberg.
We have not even touched on the sensitive antennae of the Stipitate Phototaxites fringed with Virtual Coxswains, pseudo-lead cars ready to be sacrificed to trip any trap, the chaotic wrath of the Biflagellate Ableptic Figmo and the fate of the cystidial flotsam locked within them; the weird rhythms of the Cacospysic Super-Barbicanoids and their elaborate dance of shifting coxswains, the majesty of the motorcycle-based Raging Fallaxoid; the menagerie of endless cancers that can grow from unexpectorated papillic granulomae, from cataracts of geriatric nektons, or from service-stations with badly planned driveways.
Further Study
The study of a new order of life is not without its risks, both professional (in terms of reputation) and practical (in terms of being maimed by mis-navigated vehicles). The amateur automotive ethologist must not only have keen skills of observation, but also the fortitude to persevere despite the slings and arrows of dubious dissenters. Like Leeuwenhoek's controversial animalcules and Pasteur's superstition-defying microbes, there will always exist a certain testudinal resistance to new ideas among older quarters. There will be those who doubt the very existence of aggregate vehicular life, or who insist that the zoo of the road dwells in metaphor alone.
The opinions of such sceptics could be changed by a single night spent on a grassy hill overlooking a well-travelled country highway, watching the streams of red and silver lights merge and split, compress and attenuate, roil and interact, fatten and reproduce...
Watch the roads, and see the zoo for yourself. There is no denying its patterns of insectile purpose, its myriad variations in anatomy and configuration, or the orchestrated madness of the low-cost petroleum feeding frenzy. Your own mind, honed by thousands of generations of natural selection to recognise life from non-life, will tell you it is true; the disciplines of careful observation and meticulous classification will tell you how, and why.
Open your eyes, and witness an untapped world.
About The Author
Matthew Hemming is an animator and amateur automotive ethologist based in Toronto, Canada.
mfdh@quackquack.com
by: Matthew Frederick Davis Hemming
There is a secret zoo that runs encaged along the roads.
They are liquid, semi-visible goliaths that rage through the streams and chunks of ordinary traffic, with the effervescent tendrils of mile-long tales whipping behind them like Chinese dragons. Though composed of hundreds of pounds of steel, glass and plastic, they are able to pass through solid objects. They are bound by the laws of the highway, but not by any conventional notion of time or space.
They are Aggregate Traffic Animals: a menagerie of emergent beasts drawn from the interacting behaviours of many individual human beings driving many individual cars with many individual goals, their collective activity giving rise to something with greater presence, power and purpose than the sum of its constituents. They take on a host of different forms, each to serve a different end.
They are real, and they drive among us.
Preamble
In his introduction to The Extended Phenotype (Oxford University Press, 1982) enthusiastic evolutionary biology cheerleader and Commodore-hacking pop-science guru Richard Dawkins invites us to consider the Necker Cube Illusion: a two-dimensional image representing two interlocked three-dimensional blocks in which the foreground and background can seem to flip back and forth as the brain fruitlessly seeks the "true" interpretation of the depicted space. This is Dawkins' starting point for a thought experiment in which he blurs the lines between species, their genes and the environment, calling into question the traditional boundaries drawn through biological systems to identify the relevant level of study. To wit, to wank:
We look at life and begin by seeing a collection of interacting individual organisms. We know that they contain smaller units, and we know that they are, in turn, parts of larger composite units, but we fix our gaze on the whole organisms. Then suddenly the image flips. The individual bodies are still there; they have not moved, but they seem to have gone transparent...
In other words, if you are able to de-emphasise the organism itself you are free to appreciate the idea of beaver ponds as artificial lakes generated by beaver genes, or to see a spider's web as an arrangement of silk drawn by DNA. By extending the lines with which we bound the traditional phenotype, we define new organisms, merging technology and individuals into communities the same way that ancient micro-organisms interacting inside bilipid membranes fell into symbiotic lockstep dances to found the first stable cells.
Organelles, cells, bodies, herds: at which level we discern the animal is purely a matter of focus.
This idea of the emergent animal or "super-organism" is hardly particular to Dawkins: William Morton Wheeler remarked on the idea in his 1911 paper "The Ant Colony as an Organism" in a treatment that is every bit as cogent but with considerably less otaku chic than Kevin Kelly's printed-soundbyte manifesto on hive complexity, Out of Control (Perseus Books, 1994). In the words of Kelly:
There is nothing to be found in a beehive that is not submerged in a bee. And yet you can search a bee forever with cyclotron and fluoroscope, and you will never find a hive.
So too can you examine a driver in a car and know nothing about the greater animal in which they both participate when the circumstances are right. Some of the applicable forces can be seen most clearly in the rarified environment of the professional race course, as explored by David Ronfeldt, a senior social scientist at RAND, in his 2002 paper Social Science at 190 MPH on NASCAR's Biggest Superspeedways, where fleeting moments of co-operation between rivals are necessary in order to win. Ronfeldt focuses in particular on the phenomenon of draft line formation, which is similar to the way flocking birds can share aerodynamic advantage. Like iron filings in a magnetic field, the large-scale distribution of opportunistically partnering cars are drawn into predictable macro-scale patterns across the speedway:
Once the racers sort themselves out - after ten to twenty laps - it is common to see a single draft line of four to seven cars running in front, pursued a hundred or so yards back by a second line of cars, all another hundred or so yards ahead of a large pack of cars that may still be running in parallel lines but are doing more dicing than drafting...Cars that run alone, often stuck dangerously between two draft lines, will appear to drift irrevocably backward.
Freed of the bonds of racing's formalism, the Aggregate Traffic Animals are born, rooted in transient symbioses between individual patches of drivers that will crystalise into the organs of the beast. But the circumstances have to be just right for one to emerge. The unholy Hieronymus Bosch-style concert of homicidal applied-shadenfreude that may characterise your urban, intra-urban or sub-urban driving experience is not ripe ground for ATA growth: too frothy.
The sociological and scatological dances of the megalopolis rushhour, too, are beyond the scope of this article, and are at any rate most likely best explored with deep computer simulations using high-tech cellular automata tools with average driver profiles linked to real-world statistics of roadway usage coupled with an army of ten thousand angry ax-wielding orcs battling an equal number of obedient clonetroopers.
Rather, this field is perfect fodder for the amateur ethologist, observing phenomena with a keen eye, an open mind and a sharp pencil. And while much has been written about manipulating traffic waves, the dynamics of traffic jams and phase-transitions in traffic density, very little time has been devoted to the observation and cataloguing of persistent multi-car zoomorphia.
Early Observations
The author first became aware of the existence of ATAs while making his way through the hinterland of Canada on a long, mid-winter solo drive in a decrepit Dodge Charger with no functioning radio. Due to his dangerous penchant for immersive daydreaming in the absence of external stimuli, he began to parasite his driving decisions by locking in behind another car with comparable speed ambitions. By reserving a sliver of awareness for tracking the red brake lights of the "lead" car for changes in speed or direction, the author was able to comfortably enjoy his trance while a hefty burden of road awareness was outsourced to the other driver, causing the front car to function as a sort of early warning mechanism for changing conditions (including the Mounties' speed-traps).
The notion resurfaced while the author was wrestling a dented Volkswagen Rabbit rental down a twisting, pot-holed two-lane jungle highway through the Mexican state of Quintana Roo. As the journey began he found himself hedged inside a short parade of other tourists, all driving their rental cars out of the airport at around the same time at a hesitant pace, breaking frequently to process the unfamiliar leafy darkness ahead. Fearing injury, the author laterally-leapfrogged the indecisive parade and drove on into the murk alone. Remembering his success in the far north, he latched onto the back of a local vehicle (a home-modded convertible Beetle carrying ten people, standing room only), using its varying speed as an indicator of road conditions. Unexpectedly, this move was noticed by several of the other tourists, who began to fight to separate themselves from the melee and join the newer, more surefooted pack that was rapidly pulling ahead...
By the time the author had reached his exit the impromptu fleet of vehicles had become a persistent, homeostatic phenomenon. The fleet had quickly learned to manipulate the spacing between its components in order to remain permeable to faster moving local traffic while defending its integrity against more disruptive external vehicles. Pulses of communication signifying when the passing lane was clear rippled down the chain through a conscientious leaning into the gravel shoulder, assisting in the process of expectorating invaders. Several of the original tourist vehicles ended up being swapped out for other vehicles without rocking the boat. Later on, even the leader was swapped out for another experienced local car.
It was a fetching game, contributing to the welfare of all of its players in an interesting way, but it was not a true ATA. It was too conscious a contrivance to be anything more than a delightful spontaneous social event.
You see, a distributed animal with human components can be very sensitive to perturbations from within. It is only when the conflicting threads of goals, reasoning and competition between individual human minds are quietened into the background noise that the soil can truly be ripe to raise a complex beast. When drivers can fall into a semi-hypnotic state and their herd instincts take over, the seeds are laid for something greater.
Habitat
While there are thousands of traffic animal breeding grounds along the paved networks of the world, only one driving region has been extensively explored at this time, largely due to budgetary considerations.
The TransCanada Highway is a nearly ideal environment for the production of large-scale ATA phenomena, due in great part to the simplicity of its shape: all cars are moving either westbound or eastbound, streamlining the goals of the drivers in much the same way as the shape of the Daytona superspeedway encourages drafting partnerships (see above). Also, because there are long stretches through lonely wilderness and semi-tundra, nascent traffic animals have a long period in which to mature before coming against obstacles like influxes of new cars or navigating around towns; and because the highway wends its way directly through most of Canada's major cities, it provides a handy litmus test for the homeostatic integrity of a given specimen simply by observing whether or not it makes it through to the other side of the urban area intact.
While daytime ATA formation is not rare, it is under the cover of darkness that development can proceed in a comparatively unfettered fashion. This is due in large part to the more abstract, disconnected experience of interacting with other vehicles merely as points of coloured light. Familiar prejudices and stereotypes -- potential sources of destructive competition -- are smoothed out by the shadows. At least on the basis of visual impressions, a Volvo and a Camaro can enter a system as peers.
Diminished visibility resulting from mild to moderate weather conditions can have a similar equalising effect, but when conditions become too severe drivers tend to clump into packs for safety, leading to pseudo-ATA fleets that are all too conscious social events (as in the Quintana Roo experience).
Show me an autumn stretch of prairie transcontinental highway at twilight, and I will show you the secret zoo of the road.
Typical Morphologies
The most basic form of multi-car life is the Asipetal Caterpillar, also known as a worm. Worms begin when a stable solo vehicle spawns a linear, single-lane chain of vehicles composed of loose monomers joining at the rear (a closely related, but dysfunctional, construct known as an Acropetal Caterpillar grows by adding vehicles to the front of the chain, generally leading to destructive diffusion or autolysis). Short, lithe worms are the fundamental building blocks of healthy ATA tissue. Perverse, long-form worms are the seeds of congestion and death.
The second atomic element of ATA tissue stands in stark contrast to the worm, for it is a fleeting thing, and when it takes concrete form at all it is often manifested as a single car. The Apparent Coxswain is a vehicle that appears, to the conscious or semi-conscious mind of one or more drivers, to be a leader of the worm. When the Apparent Coxswain changes lanes, there is a higher probability that a majority of the worm will follow suit than if the change were initiated by a less trusted vehicle. In many cases each car in a worm perceives the car immediately ahead of it to be the Apparent Coxswain, leading to domino-effect lane-transitions; such formations have high homeostatic integrity because of the worm's ability to "find a new head" should one Apparent Coxswain be lost to the currents. (Please note: the Apparent Coxswain should not be confused with the Virtual Coxswain or the Napoleonic Coxswain, discussed below.)
Formations that achieve such integration become Cholingers: Asipetal Caterpillars with tightly-integrated internal feedback systems of Apparent Coxswains, capable of transmitting information from tip to tail with high fidelity. Cholingers can slither to avoid torn tyres on the road, twitch around slow-moving vehicles, and even slip through packs of alien worms, wild axenes and other traffic froth to arrive on the other side intact.
Of course, not all Cholingers slip through the strangers: sometimes they interact.
Every Cholinger is either benthic or pelagic. Benthic Cholingers travel at a similar rate to the currents of the road, while Pelagic Cholingers travel at a dissimilar rate when compared to other traffic (typically a faster rate). It is possible, however, for a benthic line to be picked up and carried along by a pelagic cousin, leading to a coupled form. This is the first real Aggregate Traffic Animal we will meet tonight: a bilaterally asymmetrical diageotrope known as the Epiphysian Cyclosalp.
Within the body of the Cyclosalp the individual Cholingers are transmuted into a pair of Librigenates -- stretchy, free-flowing tissue that is bounded in space by the relationship with its partner, the accelerating pelagic lobe sliding forward and the steady benthic lobe catching up in a slow-motion slingshot, compressing and expanding between the loose, senseless clumps of other cars. This accordion-like effect might initially seem to be a force tearing the animal apart, rending pelagic from benthic -- and this is indeed what might happen in too rarified an atmosphere -- but when presented with obstacles of any kind, the Librigenates that comprise the Cyclosalp fall back on their Cholinger heritage of local integrity, crystallising en masse to navigate the hazard.
Unfettered, the Epiphysian Cyclosalp is like half a butterfly, its riparian body gilded by a slowly flapping wing of accelerating, gliding Librigenates ebbing and flowing in a stately round. Its insides whorl as partners switch places, benthic turning briefly pelagic, pacer cars joining a rippling pulse of local inertia forward, headlights cross-sweeping.
It is beyond the scope of this article to detail the myriad circumstances that provide seed for the profitable entanglement of multiple Cyclosalpic streams. So diverse are the possibilities that we could fill a Biblical tome without scratching the surface, without revealing the common thread of simplicity upon which the complexity hinges. Suffice to say the larger clade includes such varied forms as the whiplashing Epinastic Tricyclosalp, the many-fingered Dicyclosalp Fimbriatum, and the diaphanous, fleeting wonder of the mile-long Merosporangic Super-Cyclosalp...
Of course, not all Asipetal Caterpillars grow up to become stately Cholingers; instead, they lock into Lego-like bricks of uniform properties called Pycnoblastoids. While short-lived Apiculate Pycnoblastoids (in which the Apparent Coxswain is always the most forward car) are more common, it is the more flexible Laxiflorous Pycnoblastoid (in which the Apparent Coxswain is any car except that most forward) that lives a more fruitful life.
For instance, consider the case of a typical composite entity like a Tripycnoblastic Oomycotum, in which independent pycnoblasts jockey for position internally directly or by proxy through one or more Napoleonic Coxswains (that is, drivers who suffer from the delusion that they are single-handedly responsible for steering/leading their local sub-structure). The domino-line behaviour of an Apiculate Pycnoblastoid makes it too brittle to survive the stresses of being permeated by a competing pycnoblast, whereas the comparatively elastic structure of the Laxifloroid -- imparted due to the inherent time delay involved in co-ordinating with a mid-fleet Apparent Coxswain -- retains a perfect balance of rigidity and looseness, riding a line between orchestration and dissolution that makes composite forms like Oomycota possible.
Pycnoblastic tissue is unusual in that it makes use of some level of awareness on the part of the driver that they are participating in a formation (though drivers are only likely to be aware of the local level of structure). When this awareness reaches a certain level the composite entity is usually destroyed by internal stresses, but occasionally a dissolving multi-pycnoblast will emit a stream of highly energised vehicles -- the Apheresoid Lirellate, a concentrated apiculatoid pycnoblast flung free from the miasma of death to rocket away, using for a coxswain the abandoned carcass itself.
...These are but the fringes of the zoo, the tip of the iceberg.
We have not even touched on the sensitive antennae of the Stipitate Phototaxites fringed with Virtual Coxswains, pseudo-lead cars ready to be sacrificed to trip any trap, the chaotic wrath of the Biflagellate Ableptic Figmo and the fate of the cystidial flotsam locked within them; the weird rhythms of the Cacospysic Super-Barbicanoids and their elaborate dance of shifting coxswains, the majesty of the motorcycle-based Raging Fallaxoid; the menagerie of endless cancers that can grow from unexpectorated papillic granulomae, from cataracts of geriatric nektons, or from service-stations with badly planned driveways.
Further Study
The study of a new order of life is not without its risks, both professional (in terms of reputation) and practical (in terms of being maimed by mis-navigated vehicles). The amateur automotive ethologist must not only have keen skills of observation, but also the fortitude to persevere despite the slings and arrows of dubious dissenters. Like Leeuwenhoek's controversial animalcules and Pasteur's superstition-defying microbes, there will always exist a certain testudinal resistance to new ideas among older quarters. There will be those who doubt the very existence of aggregate vehicular life, or who insist that the zoo of the road dwells in metaphor alone.
The opinions of such sceptics could be changed by a single night spent on a grassy hill overlooking a well-travelled country highway, watching the streams of red and silver lights merge and split, compress and attenuate, roil and interact, fatten and reproduce...
Watch the roads, and see the zoo for yourself. There is no denying its patterns of insectile purpose, its myriad variations in anatomy and configuration, or the orchestrated madness of the low-cost petroleum feeding frenzy. Your own mind, honed by thousands of generations of natural selection to recognise life from non-life, will tell you it is true; the disciplines of careful observation and meticulous classification will tell you how, and why.
Open your eyes, and witness an untapped world.
About The Author
Matthew Hemming is an animator and amateur automotive ethologist based in Toronto, Canada.
mfdh@quackquack.com
Toyota Truck Recall: Tacoma, 4Runner, Tundra, and Sequoia
Toyota Truck Recall: Tacoma, 4Runner, Tundra, and Sequoia
by: Anna Henningsgaard
A wide scale recall is the last resort for a car company to take with a problematic vehicle, and most automotive problems do not even make it to recall stage. Toyota has been known to avoid issuing recalls at all cost, preferring to issue safety warnings and avoid covering repair costs on vehicles that are beyond warranty. This should put this year’s massive Toyota truck recall into perspective.
This May, Toyota Motor Corp issued one of its largest safety recalls in history. Toyota is recalling more than 750,000 pickup trucks and SUV’s because of problems with the front suspension that could make the vehicles difficult to steer. The recall covers 775,000 vehicles in the United States alone, including 2001-2004 model years of the Toyota Tacoma, the 2001-2002 models of Toyota 4Runner and the 2002-2004 model Tundra and Sequoia.
During the manufacturing of these vehicles, the surface of the front suspension ball joint was scratched. Wear and tear on this ball joint creates friction that makes the vehicles difficult to control. At speeds as low as 20 mph, Toyota drivers have reported ball joints collapsing, causing the front wheels to fold under the truck.
Overall, Toyota admits to conducting five recalls this year in the United States affecting nearly 1 million vehicles. In 2004, Toyota conducted nine recalls affecting 1,060,000 vehicles, according to the NHTSA. This year, Toyota has also recalled:
- 92,577 Celica coupes from 2000-2001 models to adjust daytime running lights that blind oncoming drivers
- 23,000 model year 2005 Tacoma pickups to tighten a lock nut on the parking brake pedal
This ball-joint recall was the second time in the same week that Toyota issued a high-profile safety warning. Just days before the recall was issued, Toyota began looking into 13 complaints about a possible software glitch that could cause the Prius hybrid car to stall at highway speeds. If you or a loved one have been injured by a Toyota truck that has since been recalled, consult a lawyer about collecting damages.
GA
Contact a Toyota recall lawyer right away to discuss problems with your Toyota truck or SUV. Find out about another Toyota truck recall or contact a Toyota recall lawyer today at hugesettlements.com!
About the Author
None
by: Anna Henningsgaard
A wide scale recall is the last resort for a car company to take with a problematic vehicle, and most automotive problems do not even make it to recall stage. Toyota has been known to avoid issuing recalls at all cost, preferring to issue safety warnings and avoid covering repair costs on vehicles that are beyond warranty. This should put this year’s massive Toyota truck recall into perspective.
This May, Toyota Motor Corp issued one of its largest safety recalls in history. Toyota is recalling more than 750,000 pickup trucks and SUV’s because of problems with the front suspension that could make the vehicles difficult to steer. The recall covers 775,000 vehicles in the United States alone, including 2001-2004 model years of the Toyota Tacoma, the 2001-2002 models of Toyota 4Runner and the 2002-2004 model Tundra and Sequoia.
During the manufacturing of these vehicles, the surface of the front suspension ball joint was scratched. Wear and tear on this ball joint creates friction that makes the vehicles difficult to control. At speeds as low as 20 mph, Toyota drivers have reported ball joints collapsing, causing the front wheels to fold under the truck.
Overall, Toyota admits to conducting five recalls this year in the United States affecting nearly 1 million vehicles. In 2004, Toyota conducted nine recalls affecting 1,060,000 vehicles, according to the NHTSA. This year, Toyota has also recalled:
- 92,577 Celica coupes from 2000-2001 models to adjust daytime running lights that blind oncoming drivers
- 23,000 model year 2005 Tacoma pickups to tighten a lock nut on the parking brake pedal
This ball-joint recall was the second time in the same week that Toyota issued a high-profile safety warning. Just days before the recall was issued, Toyota began looking into 13 complaints about a possible software glitch that could cause the Prius hybrid car to stall at highway speeds. If you or a loved one have been injured by a Toyota truck that has since been recalled, consult a lawyer about collecting damages.
GA
Contact a Toyota recall lawyer right away to discuss problems with your Toyota truck or SUV. Find out about another Toyota truck recall or contact a Toyota recall lawyer today at hugesettlements.com!
About the Author
None
Retreads Save Money and Resources for Many Industries
Retreads Save Money and Resources for Many Industries
by: ARA Content
(ARA) - Retreaded truck tires represent a savings of more than $2 billion annually for truckers and trucking companies in North America.
For most fleets, tires represent the third largest item in their operating budget, right after labor and fuel costs. The lowest possible cost-per-mile is achieved with a good tire management program that includes the use of quality retreads.
Retreads are the replacement tire of choice for most truckers. Of the nearly 33.8 million replacement tires purchased by fleets in 2000, over 18.1 million were retreads and only about 15.6 million were new replacement tires.
Retreads are not only cost effective, but they are also dependable, reliable and safe. Truckers with scheduled delivery times, small package delivery companies with guaranteed delivery times, commercial and military jets and most school bus operators use retreads.
Retreads are also environmentally friendly. Tires are made of petro-chemical products. It takes 22 gallons of oil to manufacture one new truck tire. Most of the oil is found in the casing, which is reused in the retreading process. As a result, only seven gallons of oil are used to produce a retread.
Retreaders, like trucking companies, have experienced considerable consolidation. Today, the most successful retreaders are those with the highest quality products, delivering the best possible return on the investment to the fleets. Because of the competitive nature of the retreading industry, truckers can expect to see continuous improvement in the quality, durability and reliability, as the major retread suppliers annually invest millions of dollars in research and development.
Imagine a world without retreads:
* Groceries would cost more, since virtually all grocery delivery trucks use retreads.
* Our dependence on oil would rise. Since tires contain a very high percentage of synthetic rubber, which is petroleum based, we would have to import huge additional amounts of oil.
* New tire prices would probably rise significantly. Retreads act as a brake on tire price increases.
* Airline tickets would cost more. Virtually all commercial airlines use retreads. Surprised?
* Scrap tire piles in landfills would skyrocket with about 30 million additional tires every year. Every time a tire is retreaded there is one less tire for our already overloaded landfills.
* Construction costs for roads, bridges, factories, housing, etc., would rise dramatically if the large tires used on earthmoving vehicles were not retreaded.
In fact, just about everything we buy would cost more since practically everything we eat, wear, use at home or at work is delivered on trucks using retreads.
For more information about the many economic and environmental benefits of retreaded tires, contact the Tire Retread Information Bureau toll free, at (888) 473-8732 or by e-mail at info@retread.org.
About The Author
Courtesy ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
by: ARA Content
(ARA) - Retreaded truck tires represent a savings of more than $2 billion annually for truckers and trucking companies in North America.
For most fleets, tires represent the third largest item in their operating budget, right after labor and fuel costs. The lowest possible cost-per-mile is achieved with a good tire management program that includes the use of quality retreads.
Retreads are the replacement tire of choice for most truckers. Of the nearly 33.8 million replacement tires purchased by fleets in 2000, over 18.1 million were retreads and only about 15.6 million were new replacement tires.
Retreads are not only cost effective, but they are also dependable, reliable and safe. Truckers with scheduled delivery times, small package delivery companies with guaranteed delivery times, commercial and military jets and most school bus operators use retreads.
Retreads are also environmentally friendly. Tires are made of petro-chemical products. It takes 22 gallons of oil to manufacture one new truck tire. Most of the oil is found in the casing, which is reused in the retreading process. As a result, only seven gallons of oil are used to produce a retread.
Retreaders, like trucking companies, have experienced considerable consolidation. Today, the most successful retreaders are those with the highest quality products, delivering the best possible return on the investment to the fleets. Because of the competitive nature of the retreading industry, truckers can expect to see continuous improvement in the quality, durability and reliability, as the major retread suppliers annually invest millions of dollars in research and development.
Imagine a world without retreads:
* Groceries would cost more, since virtually all grocery delivery trucks use retreads.
* Our dependence on oil would rise. Since tires contain a very high percentage of synthetic rubber, which is petroleum based, we would have to import huge additional amounts of oil.
* New tire prices would probably rise significantly. Retreads act as a brake on tire price increases.
* Airline tickets would cost more. Virtually all commercial airlines use retreads. Surprised?
* Scrap tire piles in landfills would skyrocket with about 30 million additional tires every year. Every time a tire is retreaded there is one less tire for our already overloaded landfills.
* Construction costs for roads, bridges, factories, housing, etc., would rise dramatically if the large tires used on earthmoving vehicles were not retreaded.
In fact, just about everything we buy would cost more since practically everything we eat, wear, use at home or at work is delivered on trucks using retreads.
For more information about the many economic and environmental benefits of retreaded tires, contact the Tire Retread Information Bureau toll free, at (888) 473-8732 or by e-mail at info@retread.org.
About The Author
Courtesy ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
Tips On Safe Highway Driving
Tips On Safe Highway Driving
by: News Canada
(NC)—The number of large commercial vehicles — such as tractor trailers — on our roads has increased dramatically during the past few years. One of the best things you can do to stay safe on the highway is to learn as much as you can about how these vehicles operate. Here are some tips from Transport Canada on how to share the road safely with commercial vehicles:
• While drivers of commercial vehicles enjoy a better forward view and have larger side mirrors than most passenger-vehicle drivers, they also have more and larger blind spots. Avoid lingering in the blind spots of commercial vehicles; if you can't see the driver in their side mirror, then the driver probably can't see you.
• Trucks and buses need more time and distance than cars do to manoeuvre and stop. When driving in front of a large commercial vehicle, signal your intentions well in advance so that the driver behind has enough time to react properly.
• Truck wheels create a lot of spray in rain, slush and snow. Turn on your windshield wipers before passing commercial vehicles — you need to see clearly at all times.
• Weather conditions and even the time of day can also affect visibility — assuming that other drivers on the road can see you can be dangerous. Signal well in advance, avoid braking abruptly and leave lots of room for passing.
• Commercial vehicles need a lot of space, so watch their turn signals and give them room when they manoeuvre. Never squeeze between a turning truck and the side of the road; large commercial vehicles must sometimes swing wide to make turns, and your car might be crushed as the truck turns.
In addition to encouraging Canadians to learn safer driving habits, Transport Canada, along with the provinces and territories, is funding improvements to those parts of our national highway system that need immediate attention because of growing traffic and increased trade. These improvements, delivered through the $600 million dollar Strategic Highway Infrastructure Program (SHIP), will result in a safer and more efficient highway system for all Canadians.
For more information on SHIP, and Government of Canada highway improvement programs in your area, visit http://www.tc.gc.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
(NC)—The number of large commercial vehicles — such as tractor trailers — on our roads has increased dramatically during the past few years. One of the best things you can do to stay safe on the highway is to learn as much as you can about how these vehicles operate. Here are some tips from Transport Canada on how to share the road safely with commercial vehicles:
• While drivers of commercial vehicles enjoy a better forward view and have larger side mirrors than most passenger-vehicle drivers, they also have more and larger blind spots. Avoid lingering in the blind spots of commercial vehicles; if you can't see the driver in their side mirror, then the driver probably can't see you.
• Trucks and buses need more time and distance than cars do to manoeuvre and stop. When driving in front of a large commercial vehicle, signal your intentions well in advance so that the driver behind has enough time to react properly.
• Truck wheels create a lot of spray in rain, slush and snow. Turn on your windshield wipers before passing commercial vehicles — you need to see clearly at all times.
• Weather conditions and even the time of day can also affect visibility — assuming that other drivers on the road can see you can be dangerous. Signal well in advance, avoid braking abruptly and leave lots of room for passing.
• Commercial vehicles need a lot of space, so watch their turn signals and give them room when they manoeuvre. Never squeeze between a turning truck and the side of the road; large commercial vehicles must sometimes swing wide to make turns, and your car might be crushed as the truck turns.
In addition to encouraging Canadians to learn safer driving habits, Transport Canada, along with the provinces and territories, is funding improvements to those parts of our national highway system that need immediate attention because of growing traffic and increased trade. These improvements, delivered through the $600 million dollar Strategic Highway Infrastructure Program (SHIP), will result in a safer and more efficient highway system for all Canadians.
For more information on SHIP, and Government of Canada highway improvement programs in your area, visit http://www.tc.gc.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Think Your Car is Safe from Thieves? Think Again
Think Your Car is Safe from Thieves? Think Again
by: ARA Content
(ARA) - Every time you park your car, you're taking a risk.
Just ask David J. of Stanford, Conn., whose 1998 high-performance Acura Integra Type R was stolen right under his nose just one month after he installed a top-of-the-line security system for $1,500.
Mother's Day is a long-held tradition of revering the woman who gives the gift of life.
"Mothering Sunday" is another early Mother's Day tradition that has shaped the way we celebrate our mothers today. This English holiday dates back to the 1600s, and involved young servants who pampered their mothers with fine delicacies. While we continue to celebrate the mother figure in modern America, it is most often with traditional gifts of flowers and cards. But if Mother's Day is indeed about the most personal sentiment and respect for a mother, a gift of gratitude should warm their hearts forever.
car was tire tracks in the newly fallen snow.
"They found it three weeks later, stripped clean," he added.
David's experience is not unusual, says James Cooper, CEO of Ultimate Security Systems Corporation of Irvine, Calif. Despite manufacturers' claims to the contrary, most security systems are easy to overpower and hardly even slow down a professional thief, said Cooper, whose firm created and markets the PowerLock anti-theft system.
Every 25 seconds
The National Insurance Crime Bureau (www.nicb.org) reports that 1.1 million vehicles are stolen nationwide each year. That's one vehicle every 25 seconds in what has become a $7.5 billion-a-year-industry, according to the Insurance Information Institute (www.iii.org), a trade organization. It's an industry, moreover, dominated by organized auto-theft rings that steal cars to fill contract orders. And no wonder: A $20,000 stolen vehicle can be stripped and sold into $30,000 worth of parts, insurers say.
Your car doesn't have to be a high-performance vehicle like David J's to be an attractive target for a thief with a list of parts, or with orders for a particular make and model of a car. Different models of the popular Toyota Camry and Honda Accord swept eight of the top 10 list of cars reported stolen in 2000, according to an annual study conducted by CCC Information Services Inc., a Chicago-based supplier of software and communications systems to auto insurers. Chevrolet and Ford pickups captured the other two slots.
Brett Ploumen didn't have a security system on his 1992 Chevrolet Astrovan. But he thought he was taking appropriate precautions by parking in well-lighted, high-traffic areas and locking his vehicle's doors and windows.
Ploumen found out differently when he went to dinner with friends at a busy neighborhood strip mall in Santa Ana, Calif. "When we returned, the Astrovan wasn't there. There was broken glass on the ground and another vehicle in the parking place," Ploumen recalled.
"Three days later they found it, wrapped in a tarp on a side street," he said. The entire front end of the car was gone - it had essentially been turned into a trailer, and a beat-up trailer at that. When he saw it, "I was sick to my stomach instantly," Ploumen said.
Some popular devices
Cooper describes some of the most popular auto security devices, and the drawbacks that allow thieves to get around them:
1. Bar or wheel locks: Steering wheel bars lock up the steering wheel; wheel locks prevent the theft of wheels and tires.
How to get around them: All it takes is a pair of bolt cutters or a hacksaw. "They saw through the steering wheel, slide off the bar lock and hot-wire the car. It takes anywhere from 15-30 seconds," Cooper said.
2. Audible alarms: Known in the industry as "nuisance alarms," these alerts are intended to scare thieves away.
How to get around them: Audible alarms are almost universally ignored. Additionally, a professional thief can cut a wire and silence the alarm in seconds.
3. Pedal locks: This device locks the brakes.
How to get around them: They can be bridged or cut in 15-60 seconds.
4. Electronic immobilizing devices: These devices are designed to disconnect all power from the starter, preventing thieves from bypassing the ignition and hot-wiring the vehicle. They can be installed at the factory or purchased as an aftermarket item.
How to get around them: Seasoned thieves dismantle these systems or wire around them in seconds, usually by cutting two wires. Additionally, thieves easily find override or valet switches used by owners to disarm the systems.
5. Tracking systems: These devices transmit a radio signal to locate the car.
How to get around them: Tracking devices can be removed at a chop shop before a theft is reported. Or the car can be stripped and dumped before the owner finds out it's been stolen.
6. Solenoid immobilizer systems: Although categorized as an immobilizer, this kind of system is based on a different principle than most electronic security systems. PowerLock is one example. It attaches permanently to the vehicle's starter motor, where it effectively prevents hot-wiring. Once installed, such a system is impossible to remove, bypass or disable.
How to get around them: It can't be hot-wired, says Cooper. "A system like this is virtually impossible to circumvent," he says. The only way to steal a car protected by such a system is to tow it away.
Personal Security
Cooper also warns consumers to be aware of the capacity of their security system. "A lot of so-called security systems consist of remote entry and flashing lights. A lot of people think of that as automobile security, and it really isn't: It's a convenience feature. Some manufacturers are beginning to recognize that, and label it as 'personal security.'"
After his nightmare experience, Ploumen is an evangelist for adding a security system to your car. "Look into some kind of aftermarket security system," he advises consumers. "Find something you feel comfortable with - and that's proven."
Ploumen has researched the security field thoroughly since his van was stolen. He briefly considered a brake lock, but decided it wasn't practical. He chose Ultimate Security Systems' Powerlock after a friend told him about it.
David J. also purchased a Powerlock system after replacing his Acura Integra Type R. "I came across it on the Internet. It was not expensive, so I thought, 'Why not give it a try?'" He added three additional layers of security with brake and pedal locks, plus a tracking system.
David became a would-be victim again a few months later. This time, though, his story has a happy ending. The thieves pried the door open with a "Slim Jim," bent the clutch pedal sideways to circumvent the AutoLock, then broke the ignition switch in an attempt to hot wire the car. When PowerLock circumvented that effort, they tried rolling the car down a nearby hill to pop the clutch. That didn't work, either, so they abandoned the car. The tracking system helped authorities recover the car a short time later.
For more information, contact USSC, 17173 Gillette Avenue, Suite 5, Irvine, Calif. 92614; (800) 231-7131, or visit www.powerlock.com.
About The Author
Courtesy ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
EDITOR'S NOTE: For more information, contact Emily Curci, Hilary Kaye Associates, (714) 426-0444, ecurci@hkamarcom.com.
by: ARA Content
(ARA) - Every time you park your car, you're taking a risk.
Just ask David J. of Stanford, Conn., whose 1998 high-performance Acura Integra Type R was stolen right under his nose just one month after he installed a top-of-the-line security system for $1,500.
Mother's Day is a long-held tradition of revering the woman who gives the gift of life.
"Mothering Sunday" is another early Mother's Day tradition that has shaped the way we celebrate our mothers today. This English holiday dates back to the 1600s, and involved young servants who pampered their mothers with fine delicacies. While we continue to celebrate the mother figure in modern America, it is most often with traditional gifts of flowers and cards. But if Mother's Day is indeed about the most personal sentiment and respect for a mother, a gift of gratitude should warm their hearts forever.
car was tire tracks in the newly fallen snow.
"They found it three weeks later, stripped clean," he added.
David's experience is not unusual, says James Cooper, CEO of Ultimate Security Systems Corporation of Irvine, Calif. Despite manufacturers' claims to the contrary, most security systems are easy to overpower and hardly even slow down a professional thief, said Cooper, whose firm created and markets the PowerLock anti-theft system.
Every 25 seconds
The National Insurance Crime Bureau (www.nicb.org) reports that 1.1 million vehicles are stolen nationwide each year. That's one vehicle every 25 seconds in what has become a $7.5 billion-a-year-industry, according to the Insurance Information Institute (www.iii.org), a trade organization. It's an industry, moreover, dominated by organized auto-theft rings that steal cars to fill contract orders. And no wonder: A $20,000 stolen vehicle can be stripped and sold into $30,000 worth of parts, insurers say.
Your car doesn't have to be a high-performance vehicle like David J's to be an attractive target for a thief with a list of parts, or with orders for a particular make and model of a car. Different models of the popular Toyota Camry and Honda Accord swept eight of the top 10 list of cars reported stolen in 2000, according to an annual study conducted by CCC Information Services Inc., a Chicago-based supplier of software and communications systems to auto insurers. Chevrolet and Ford pickups captured the other two slots.
Brett Ploumen didn't have a security system on his 1992 Chevrolet Astrovan. But he thought he was taking appropriate precautions by parking in well-lighted, high-traffic areas and locking his vehicle's doors and windows.
Ploumen found out differently when he went to dinner with friends at a busy neighborhood strip mall in Santa Ana, Calif. "When we returned, the Astrovan wasn't there. There was broken glass on the ground and another vehicle in the parking place," Ploumen recalled.
"Three days later they found it, wrapped in a tarp on a side street," he said. The entire front end of the car was gone - it had essentially been turned into a trailer, and a beat-up trailer at that. When he saw it, "I was sick to my stomach instantly," Ploumen said.
Some popular devices
Cooper describes some of the most popular auto security devices, and the drawbacks that allow thieves to get around them:
1. Bar or wheel locks: Steering wheel bars lock up the steering wheel; wheel locks prevent the theft of wheels and tires.
How to get around them: All it takes is a pair of bolt cutters or a hacksaw. "They saw through the steering wheel, slide off the bar lock and hot-wire the car. It takes anywhere from 15-30 seconds," Cooper said.
2. Audible alarms: Known in the industry as "nuisance alarms," these alerts are intended to scare thieves away.
How to get around them: Audible alarms are almost universally ignored. Additionally, a professional thief can cut a wire and silence the alarm in seconds.
3. Pedal locks: This device locks the brakes.
How to get around them: They can be bridged or cut in 15-60 seconds.
4. Electronic immobilizing devices: These devices are designed to disconnect all power from the starter, preventing thieves from bypassing the ignition and hot-wiring the vehicle. They can be installed at the factory or purchased as an aftermarket item.
How to get around them: Seasoned thieves dismantle these systems or wire around them in seconds, usually by cutting two wires. Additionally, thieves easily find override or valet switches used by owners to disarm the systems.
5. Tracking systems: These devices transmit a radio signal to locate the car.
How to get around them: Tracking devices can be removed at a chop shop before a theft is reported. Or the car can be stripped and dumped before the owner finds out it's been stolen.
6. Solenoid immobilizer systems: Although categorized as an immobilizer, this kind of system is based on a different principle than most electronic security systems. PowerLock is one example. It attaches permanently to the vehicle's starter motor, where it effectively prevents hot-wiring. Once installed, such a system is impossible to remove, bypass or disable.
How to get around them: It can't be hot-wired, says Cooper. "A system like this is virtually impossible to circumvent," he says. The only way to steal a car protected by such a system is to tow it away.
Personal Security
Cooper also warns consumers to be aware of the capacity of their security system. "A lot of so-called security systems consist of remote entry and flashing lights. A lot of people think of that as automobile security, and it really isn't: It's a convenience feature. Some manufacturers are beginning to recognize that, and label it as 'personal security.'"
After his nightmare experience, Ploumen is an evangelist for adding a security system to your car. "Look into some kind of aftermarket security system," he advises consumers. "Find something you feel comfortable with - and that's proven."
Ploumen has researched the security field thoroughly since his van was stolen. He briefly considered a brake lock, but decided it wasn't practical. He chose Ultimate Security Systems' Powerlock after a friend told him about it.
David J. also purchased a Powerlock system after replacing his Acura Integra Type R. "I came across it on the Internet. It was not expensive, so I thought, 'Why not give it a try?'" He added three additional layers of security with brake and pedal locks, plus a tracking system.
David became a would-be victim again a few months later. This time, though, his story has a happy ending. The thieves pried the door open with a "Slim Jim," bent the clutch pedal sideways to circumvent the AutoLock, then broke the ignition switch in an attempt to hot wire the car. When PowerLock circumvented that effort, they tried rolling the car down a nearby hill to pop the clutch. That didn't work, either, so they abandoned the car. The tracking system helped authorities recover the car a short time later.
For more information, contact USSC, 17173 Gillette Avenue, Suite 5, Irvine, Calif. 92614; (800) 231-7131, or visit www.powerlock.com.
About The Author
Courtesy ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
EDITOR'S NOTE: For more information, contact Emily Curci, Hilary Kaye Associates, (714) 426-0444, ecurci@hkamarcom.com.
The Waterloo Boy Tractor: Beginning of the John Deere
The Waterloo Boy Tractor: Beginning of the John Deere
by: Dave Cole
Waterloo Boy Model N 1916 to 1924
Anything that can be done on the farm by horses, can be
accomplished by the Waterloo Boy Tractor.
The Waterloo Boy tractors had a water cooled, two cylinder engine
that burned kerosene, a cheaper fuel for farmers to purchase. The
transmission was located on the left side of the engine, instead
of in line or behind the engine. It had automotive type sliding
gears, the Model L and R had only one forward speed, while
the Model N had two. (Although bull pinion gears as an in
field add on were available by special order for farmers
who found the need for more speed)
The Model R Waterloo Boy Tractor
Until 1919, the Model R Waterloo Boy tractor was sold in 13
different styles, from the A to the M. Style N, which became
the Model N Waterloo Boy tractor was introduced in 1917.
The Model R was much the same as the Model L, except that the R
was given a 6.5 bore where the L had a 5.5 bore, both had a 7
inch stroke.
A little over 8,000 Model R's were manufactured, including those
shipped overseas.
The Model N Waterloo Boy Tractor
The Model N Waterloo Boy was manufactured from 1917 thru 1924.
It was known as a 12-25 tractor because the tractor delivered 12
horsepower at the drawbar and 25 horsepower at the belt pulley,
at 750 revolutions per minute.
The new and improved Model N had two forward speeds, 2 1/1 and
3 miles per hour.
Pulling a 3 bottom plow, or a 9 foot disc harrow, or 2 binders,
the new Waterloo Boy Model N had two forward speeds with a 6.5
bore and 7 inch stroke engine. It delivered 16 drawbar horsepower
and 25 at the belt with an engine rpm of 750.
The outer bull pinion gear on the final drive was changed to
have the teeth face the inside of the drive wheel to decrease
wear on the final drives and help shield them from dirt.
The Model N was an immediate success with almost 5,000 units
being sold in 1918.
Waterloo Boy and Deere & Company
Noting the success of the Waterloo Boy Tractor, Deere and
Company's sales manager Frank Silloway began to investigate.
The philosophy of upper management was that Deere and Company
could no longer just manufacture implements, it was time to
move on to the business of selling tractors.
While Deere and Company had been experimenting with various
tractor designs since 1912, nothing had proven itself to be a
seller on the market.
After much consideration and despite the consternation of
certain board members, Silloway believed the Waterloo Boy
Model N was the second best tractor on the market, the first
belonging to the International Harvester Company.
Sales in 1919 did hit a slump, mostly due to Henry Ford's
introduction of the Fordson tractor, but the board members
of Deere and Company did take an option to purchase the
Waterloo Gasoline Engine Company.
On March 14, 1918, an agreement was reached by the board
agreeing to purchase the Waterloo company for $2,350,000.
On January 20, 1920 Deere and company were officially in the
tractor business. The acquisition gave many more sales
opportunities to the Waterloo Boy tractor as Deere and Company
had an already established dealer network across the United
States.
The new John Deere Waterloo Boy tractors were to be painted
John Deere green, except for: hub caps - red, gasolene tank -
red.
The Waterloo Boy decals were were still used, however the John
Deere decals were placed on the front.
In March and April of 1920 the Model N had the privilege of
being the first tractor tested at Nebraska under the new tractor
testing law.
The tractor exceeded the advertised 12 - 25 and became also the
first tractor to be certified.
The Waterloo Boy Overtime Tractors
Export of the Model R began in 1917 with tractors going to
Denmark, England, France, Greece, Ireland and South Africa.
Most of these exported to England were purchased by L. J.
Martin, head of the Overtime Tractor Company, London.
Upon arrival these tractors received a new paint job, decals
and serial number and a new name....Overtime.
In Great Britain, the Waterloo Boy tractors burned paraffin,
the British equivalent of kerosene.
About the Author
Copyright ©
For a complete history of all the John Deere Two Cylinder
Tractors, visit our tribute to the Johnny Poppers and
also see pics of our working 2 cylinder tractors, along
with a whole bunch of Cool Green & Yellow stuff
http://www.petcaretips.net/john-deere.html
by: Dave Cole
Waterloo Boy Model N 1916 to 1924
Anything that can be done on the farm by horses, can be
accomplished by the Waterloo Boy Tractor.
The Waterloo Boy tractors had a water cooled, two cylinder engine
that burned kerosene, a cheaper fuel for farmers to purchase. The
transmission was located on the left side of the engine, instead
of in line or behind the engine. It had automotive type sliding
gears, the Model L and R had only one forward speed, while
the Model N had two. (Although bull pinion gears as an in
field add on were available by special order for farmers
who found the need for more speed)
The Model R Waterloo Boy Tractor
Until 1919, the Model R Waterloo Boy tractor was sold in 13
different styles, from the A to the M. Style N, which became
the Model N Waterloo Boy tractor was introduced in 1917.
The Model R was much the same as the Model L, except that the R
was given a 6.5 bore where the L had a 5.5 bore, both had a 7
inch stroke.
A little over 8,000 Model R's were manufactured, including those
shipped overseas.
The Model N Waterloo Boy Tractor
The Model N Waterloo Boy was manufactured from 1917 thru 1924.
It was known as a 12-25 tractor because the tractor delivered 12
horsepower at the drawbar and 25 horsepower at the belt pulley,
at 750 revolutions per minute.
The new and improved Model N had two forward speeds, 2 1/1 and
3 miles per hour.
Pulling a 3 bottom plow, or a 9 foot disc harrow, or 2 binders,
the new Waterloo Boy Model N had two forward speeds with a 6.5
bore and 7 inch stroke engine. It delivered 16 drawbar horsepower
and 25 at the belt with an engine rpm of 750.
The outer bull pinion gear on the final drive was changed to
have the teeth face the inside of the drive wheel to decrease
wear on the final drives and help shield them from dirt.
The Model N was an immediate success with almost 5,000 units
being sold in 1918.
Waterloo Boy and Deere & Company
Noting the success of the Waterloo Boy Tractor, Deere and
Company's sales manager Frank Silloway began to investigate.
The philosophy of upper management was that Deere and Company
could no longer just manufacture implements, it was time to
move on to the business of selling tractors.
While Deere and Company had been experimenting with various
tractor designs since 1912, nothing had proven itself to be a
seller on the market.
After much consideration and despite the consternation of
certain board members, Silloway believed the Waterloo Boy
Model N was the second best tractor on the market, the first
belonging to the International Harvester Company.
Sales in 1919 did hit a slump, mostly due to Henry Ford's
introduction of the Fordson tractor, but the board members
of Deere and Company did take an option to purchase the
Waterloo Gasoline Engine Company.
On March 14, 1918, an agreement was reached by the board
agreeing to purchase the Waterloo company for $2,350,000.
On January 20, 1920 Deere and company were officially in the
tractor business. The acquisition gave many more sales
opportunities to the Waterloo Boy tractor as Deere and Company
had an already established dealer network across the United
States.
The new John Deere Waterloo Boy tractors were to be painted
John Deere green, except for: hub caps - red, gasolene tank -
red.
The Waterloo Boy decals were were still used, however the John
Deere decals were placed on the front.
In March and April of 1920 the Model N had the privilege of
being the first tractor tested at Nebraska under the new tractor
testing law.
The tractor exceeded the advertised 12 - 25 and became also the
first tractor to be certified.
The Waterloo Boy Overtime Tractors
Export of the Model R began in 1917 with tractors going to
Denmark, England, France, Greece, Ireland and South Africa.
Most of these exported to England were purchased by L. J.
Martin, head of the Overtime Tractor Company, London.
Upon arrival these tractors received a new paint job, decals
and serial number and a new name....Overtime.
In Great Britain, the Waterloo Boy tractors burned paraffin,
the British equivalent of kerosene.
About the Author
Copyright ©
For a complete history of all the John Deere Two Cylinder
Tractors, visit our tribute to the Johnny Poppers and
also see pics of our working 2 cylinder tractors, along
with a whole bunch of Cool Green & Yellow stuff
http://www.petcaretips.net/john-deere.html
The Truth about Colossus: Are You Just A Magnetic Image?
The Truth about Colossus: Are You Just A Magnetic Image?
by: Jeanine Steele
What is Colossus?
Colossus is software licensed to about twenty-five insurance companies to aid in predicting the settlement value of claims. The insurance industry maintains it is a useful tool because it considers a great many factors, and the settlement values are just a range for use in any way the insurer wishes. The claimants’ attorneys, on the other hand, maintain that the software is only so good as the data input, and we never know what the adjuster has input; that it does not consider interference with normal life activities, or other valid indications of pain and suffering normally proved by lay testimony instead of medical testimony (as required by Colossus); and that it is NOT merely a beginning point, but is instead the FINAL WORD ON VALUE that the adjuster has to adhere to, or else risk unfavorable management reviews.
How would you like to know that only a part of all you are suffering will be compensated? Unless data are input, how can a computer quantify your emotional distress, or the loss of enjoyment of life because you no longer can take long walks with your spouse, or the pain and despair you suffer each day because your work hurts you and interferes with your healing? Unless all of your circumstances are included, is it fair to quantify all you have suffered and reduce to a dollar value based upon some factors that may or may not reflect your condition?
That is the essence of the Colossus software. It is an attempt by some insurance companies to value claims with no consideration at all given to whether or not a jury might award you more than the “average” claimant. They plug in such things as damage to the vehicles and expected length of treatment and allowable cost of treatment and many other variables and then come up with a number for the value of the claim. No consideration whatsoever is given to the extent of your actual pain and suffering.
Nor is any consideration whatsoever given to the fact that you might have a job where your injuries cause continued pain, or which slows your healing (consider, for example a waitress, or a person who has to stand all shift). They do not know, nor do they care, that you cannot hold your baby because of the pain in your neck and back. There is no room in the formula for such information.
But the problem is that in our system, it is the jury that is supposed to be the basis for determining the value of a claim, and juries do tend to listen to and consider many of the factors that Colossus ignores. Juries do make a distinction based upon whether or not they think the plaintiff is believable, or has attributes we value in our society, such as the virtues of honesty, perseverance, humility, or patience, for example.
Colossus has no way to evaluate those positive traits, so if you are possessed of anything positive that is likely to bring you a larger jury verdict, it will not be included in the Colossus valuation. You will have become a magnetic image, no different in regard to your positive characteristics than the magnetic image of any other of thousands of claimants with injuries similar to yours.
The real problem with Colossus is that the adjuster for your claim is just about stuck with the results that come out of the computer. Of course the insurance company will deny this, and will tell the media and the state insurance commissioner that Colossus is nothing more than an evaluation tool. It just gives a starting point, they say, from which the adjuster can move up if the facts of the case merit it. That is not at all true.
The Colossus result is a position that is increasingly locked in, and the adjuster who wishes to vary from it because of the facts of an unusual case, had better be ready to justify it. Furthermore, how many times do you think any adjuster trying to make the cut at an insurance company is going to go to her boss and ask for permission to exceed the Colossus determination of value? Considering that her evaluation and merit pay will be based upon how “efficiently” (read that to mean cheaply, or “hard-line”) she settles her cases, do you think she will ever go to her boss to ask for more money than allowed by Colossus? Not very likely.
Colossus is a well-kept secret by the insurance companies that use it, and they will likely not tell you if they have licensed the software. It is the market leader bodily injury claims-handling software used by an increasing number of insurance companies in the world. According to Computer Sciences Corporation, the company which produces Colossus, it is used by more than 50 per cent of the nation’s claim adjusters and by more than 300 insurance companies. Out of the top 20 US Property and Casualty Insurers, 13 are using Colossus.
Most claims insurance adjusters use computer software to appraise any insurance claim that you make. CSC claims that Colossus can evaluate more than 600 type of injuries based on 10,000 different rules. This way, adjusters will obtain a figure from Colossus software and then offer it to you to settle your claim. Insurance companies claim that their adjusters are not required to settle within the suggested Colossus calculations, but that is truly nonsense, and should be investigated by the nation’s insurance commissioners.
How does it work?
Neither insurance companies nor CSC will divulge exactly how they determine the Colossus baseline value. Most of Colossus' calculation of your claim is based on insurance data to which you don't have access, and insurance companies certainly do not want former insurance adjusters to tell anything about it either, see the article from the Seattle Post-Intelligencer (http://seattlepi.nwsource.com/local/93800_insurance01.shtml).
However we do know that the value of your claim will differ greatly from one region to another and also by the baseline that your insurance company has set. For example, auto insurers using the software select a number of closed, already-settled claims from each region in which they do business to provide the "baseline" settlement value for each type of injury. For example, an insurer might pick 200 back injury cases from a particular region that previously settled for between $1,000 and $5,000 and enter them into the Colossus program. Based on this past settlement data, Colossus calculates a settlement range for similar claims. Therefore the baseline value will be different for each insurer.
But who is there to ensure that the closed claims selected truly represent the norm? Wouldn’t it be in the interests of the insurance industry to “pad” the research by holding back reports of high value settlements? There is no assurance whatsoever that Colossus represents anything other than what best serves the interests of the insurance industry. No one has certified that the base from which the data are drawn was fairly and objectively constructed.
By using Colossus, most insurance companies will try to lower the value of your claim, and will not take into consideration stress, or emotional trauma, loss of enjoyment of life, loss of consortium (relationship), inability to participate in activities that you used to enjoy, or any number of other things that a jury will consider. These factors are not accounted for by the Colossus software.
What Should You Do?
The first thing to do is to determine whether or not the company you are dealing with uses Colossus for any purpose in its claims process. Here is a list obtained through the media, of companies that will admit to using Colossus for some purpose in their claims valuation process.
The following companies are known to license COLOSSUS:
* Aetna
* Allstate (since 1997)
* American National Property and Casualty (since 1997 in 38 states)
* American Family Group of Madison (since 1996)
* Arrow Claims Management (since 1997)
* AXA Insurance (based in UK, one of the world’s largest insurance group) (2001)
* Bishopsgate Insurance (since 2000)
* Explorer Insurance Company (1997)
* Farmers Insurance Group of Companies (2000)
* Federated Mutual Insurance Company (1998)
* General Casualty Insurance Companies (1998)
* Grange Mutual Casualty Companies (1998)
* Great American Insurance Company (1998)
* Hartford Financial Services (2000)
* Keystone Insurance Companies of Philadelphia
* Metropolitan Group, Rhode Island Norwich Union
* Motorist Mutual –American Hardware Insurance Group (1998)
* Ohio Casualty Group of Insurance Companies (1998)
* State Auto Insurance Companies of Columbus (1996)
* 20th Century Industries (1997)
* Travelers/Aetna Property Casualty (1996)
* United Services Automobile Association (USAA) (1997)
* Utica Mutual Insurance Company (2000)
* Zurich Personal Insurance (1998)
Therefore, we recommend that you follow carefully our advice on this topic to avoid allowing the insurance company an upper hand in resolution of your claim. How could this valuation software allow them the upper hand? First, as documented above, this is a software program that will produce a result that is in favor of the insurance industry. It does not include factors that may cause real interference with healing, or which may result in many nights of disturbed sleep.
Be it the tortfeasor’s company or your own insurance company, if the company that you are going to deal with for a general damages award has licensed Colossus, we recommend that you consider that in your negotiations. For example, since Colossus produces only an “expected” result based upon an “average” from input verdicts and settlements, you would want to call to the attention of the adjuster any facts that put your situation outside of the norm.
Let’s say that you are a waitress and you sustained a soft tissue injury to your neck and low back. No matter how good and helpful your medical treatment or no matter how much healing you achieve from a couple of days off of work, your condition will worsen just as soon as you again start carrying those trays full of food or drinks. The weight of that tray on one side or the other will make your injuries worse, and it will be much more difficult for you to obtain healing.
Another example might be a single mother who has to pick up her 11 month old baby frequently. She will suffer continued pain from her accident injuries a lot longer than a person who does not otherwise burden healing tissue. Think of how many times a day she has to pick up that child, and what a strain that puts on her neck and back.
Now do you think there is any way that either of these—or like—situations will be covered or considered in the Colossus result? Of course there isn’t. This is the old adage of: “Garbage In—Garbage Out”. Since the computer was not queried or programmed to consider either of these circumstances, then it is your job to provide sufficient information to the adjuster to allow her to modify the result from Colossus by making another set of information inputs to the program.
What you have to do is to think about your situation and come up with some aspect of your case that may be a little different than the norm. Then you will make note of that situation in a letter to the adjuster and ask her to confirm that in her evaluation she will make allowance for your situation notwithstanding the result suggested by Colossus. A good resource to consult to get such a letter would be a website specialized in personal injury claim such as SettlementCentral.Com (http://www.settlementcentral.com)
If she does not respond, or if she does not agree to make allowance for your particular situation, we suggest you warn her that you will write to the insurance commissioner. Again, consult the SettlementCentral.Com website (http://www.settlementcentral.com) as they do provide a sample demand letter. As a next step, we suggest that you write to your state insurance commissioner and complain about the use of Colossus. Finally, we think that your state Trial Lawyers Association may have some information or suggestions on legislation to curtail the total reliance on Colossus.
Another key to working with an adjuster who is using Colossus is to make sure your medical record documents everything in a way that the software will reward. There are three key elements to this requirement, and you control only one of them: the other two are held by your doctor (who may not wish to make adequate documentation) and the adjuster (who may not cooperate to let you know what format is required for information to be understood by Colossus).
You will need the cooperation of the adjuster to tell you what format would be helpful to him in getting you full value for your claim. Ask him about the quality of your medical records. Which records were most useful, and which records were virtually useless. He should be able to tell you. This person is not an actual enemy; he has a job to do in this mission, and so do you; you need each other to ensure the case is settled fairly and amicably.
Solicit the adjuster’s cooperation to let you know the specific injuries and specific complaints used to evaluate the claim. Since each complaint and injury must be documented in a medical report to be considered by Colossus, ask him to help you by telling you which doctor needs to make a supplementary record in this case.
If you don’t have a good medical record, you will have to obtain a narrative report from your doctor, or get him to make specific findings that are translatable to input into Colossus.
Additional information such as a letter to the insurance adjuster regarding Colossus, letter to the insurance commissioner, and other Colossus references are available for free on our website at: http://www.settlementcentral.com
About The Author
Jeanine Steele is an senior editor with SettlementCentral.Com
http://www.settlementcentral.com
We are professionals who have assisted victims of personal injury for many years as attorneys, medical doctors, chiropractors and other injury treatment specialists, insurance adjusters, legal assistants, medical assistants and chiropractic assistants. Now we share our knowledge of the settlement process, for we are passionate in wanting to ease the suffering we have seen among personal injury victims - often through no fault of their own.
info@settlementcentral.com
by: Jeanine Steele
What is Colossus?
Colossus is software licensed to about twenty-five insurance companies to aid in predicting the settlement value of claims. The insurance industry maintains it is a useful tool because it considers a great many factors, and the settlement values are just a range for use in any way the insurer wishes. The claimants’ attorneys, on the other hand, maintain that the software is only so good as the data input, and we never know what the adjuster has input; that it does not consider interference with normal life activities, or other valid indications of pain and suffering normally proved by lay testimony instead of medical testimony (as required by Colossus); and that it is NOT merely a beginning point, but is instead the FINAL WORD ON VALUE that the adjuster has to adhere to, or else risk unfavorable management reviews.
How would you like to know that only a part of all you are suffering will be compensated? Unless data are input, how can a computer quantify your emotional distress, or the loss of enjoyment of life because you no longer can take long walks with your spouse, or the pain and despair you suffer each day because your work hurts you and interferes with your healing? Unless all of your circumstances are included, is it fair to quantify all you have suffered and reduce to a dollar value based upon some factors that may or may not reflect your condition?
That is the essence of the Colossus software. It is an attempt by some insurance companies to value claims with no consideration at all given to whether or not a jury might award you more than the “average” claimant. They plug in such things as damage to the vehicles and expected length of treatment and allowable cost of treatment and many other variables and then come up with a number for the value of the claim. No consideration whatsoever is given to the extent of your actual pain and suffering.
Nor is any consideration whatsoever given to the fact that you might have a job where your injuries cause continued pain, or which slows your healing (consider, for example a waitress, or a person who has to stand all shift). They do not know, nor do they care, that you cannot hold your baby because of the pain in your neck and back. There is no room in the formula for such information.
But the problem is that in our system, it is the jury that is supposed to be the basis for determining the value of a claim, and juries do tend to listen to and consider many of the factors that Colossus ignores. Juries do make a distinction based upon whether or not they think the plaintiff is believable, or has attributes we value in our society, such as the virtues of honesty, perseverance, humility, or patience, for example.
Colossus has no way to evaluate those positive traits, so if you are possessed of anything positive that is likely to bring you a larger jury verdict, it will not be included in the Colossus valuation. You will have become a magnetic image, no different in regard to your positive characteristics than the magnetic image of any other of thousands of claimants with injuries similar to yours.
The real problem with Colossus is that the adjuster for your claim is just about stuck with the results that come out of the computer. Of course the insurance company will deny this, and will tell the media and the state insurance commissioner that Colossus is nothing more than an evaluation tool. It just gives a starting point, they say, from which the adjuster can move up if the facts of the case merit it. That is not at all true.
The Colossus result is a position that is increasingly locked in, and the adjuster who wishes to vary from it because of the facts of an unusual case, had better be ready to justify it. Furthermore, how many times do you think any adjuster trying to make the cut at an insurance company is going to go to her boss and ask for permission to exceed the Colossus determination of value? Considering that her evaluation and merit pay will be based upon how “efficiently” (read that to mean cheaply, or “hard-line”) she settles her cases, do you think she will ever go to her boss to ask for more money than allowed by Colossus? Not very likely.
Colossus is a well-kept secret by the insurance companies that use it, and they will likely not tell you if they have licensed the software. It is the market leader bodily injury claims-handling software used by an increasing number of insurance companies in the world. According to Computer Sciences Corporation, the company which produces Colossus, it is used by more than 50 per cent of the nation’s claim adjusters and by more than 300 insurance companies. Out of the top 20 US Property and Casualty Insurers, 13 are using Colossus.
Most claims insurance adjusters use computer software to appraise any insurance claim that you make. CSC claims that Colossus can evaluate more than 600 type of injuries based on 10,000 different rules. This way, adjusters will obtain a figure from Colossus software and then offer it to you to settle your claim. Insurance companies claim that their adjusters are not required to settle within the suggested Colossus calculations, but that is truly nonsense, and should be investigated by the nation’s insurance commissioners.
How does it work?
Neither insurance companies nor CSC will divulge exactly how they determine the Colossus baseline value. Most of Colossus' calculation of your claim is based on insurance data to which you don't have access, and insurance companies certainly do not want former insurance adjusters to tell anything about it either, see the article from the Seattle Post-Intelligencer (http://seattlepi.nwsource.com/local/93800_insurance01.shtml).
However we do know that the value of your claim will differ greatly from one region to another and also by the baseline that your insurance company has set. For example, auto insurers using the software select a number of closed, already-settled claims from each region in which they do business to provide the "baseline" settlement value for each type of injury. For example, an insurer might pick 200 back injury cases from a particular region that previously settled for between $1,000 and $5,000 and enter them into the Colossus program. Based on this past settlement data, Colossus calculates a settlement range for similar claims. Therefore the baseline value will be different for each insurer.
But who is there to ensure that the closed claims selected truly represent the norm? Wouldn’t it be in the interests of the insurance industry to “pad” the research by holding back reports of high value settlements? There is no assurance whatsoever that Colossus represents anything other than what best serves the interests of the insurance industry. No one has certified that the base from which the data are drawn was fairly and objectively constructed.
By using Colossus, most insurance companies will try to lower the value of your claim, and will not take into consideration stress, or emotional trauma, loss of enjoyment of life, loss of consortium (relationship), inability to participate in activities that you used to enjoy, or any number of other things that a jury will consider. These factors are not accounted for by the Colossus software.
What Should You Do?
The first thing to do is to determine whether or not the company you are dealing with uses Colossus for any purpose in its claims process. Here is a list obtained through the media, of companies that will admit to using Colossus for some purpose in their claims valuation process.
The following companies are known to license COLOSSUS:
* Aetna
* Allstate (since 1997)
* American National Property and Casualty (since 1997 in 38 states)
* American Family Group of Madison (since 1996)
* Arrow Claims Management (since 1997)
* AXA Insurance (based in UK, one of the world’s largest insurance group) (2001)
* Bishopsgate Insurance (since 2000)
* Explorer Insurance Company (1997)
* Farmers Insurance Group of Companies (2000)
* Federated Mutual Insurance Company (1998)
* General Casualty Insurance Companies (1998)
* Grange Mutual Casualty Companies (1998)
* Great American Insurance Company (1998)
* Hartford Financial Services (2000)
* Keystone Insurance Companies of Philadelphia
* Metropolitan Group, Rhode Island Norwich Union
* Motorist Mutual –American Hardware Insurance Group (1998)
* Ohio Casualty Group of Insurance Companies (1998)
* State Auto Insurance Companies of Columbus (1996)
* 20th Century Industries (1997)
* Travelers/Aetna Property Casualty (1996)
* United Services Automobile Association (USAA) (1997)
* Utica Mutual Insurance Company (2000)
* Zurich Personal Insurance (1998)
Therefore, we recommend that you follow carefully our advice on this topic to avoid allowing the insurance company an upper hand in resolution of your claim. How could this valuation software allow them the upper hand? First, as documented above, this is a software program that will produce a result that is in favor of the insurance industry. It does not include factors that may cause real interference with healing, or which may result in many nights of disturbed sleep.
Be it the tortfeasor’s company or your own insurance company, if the company that you are going to deal with for a general damages award has licensed Colossus, we recommend that you consider that in your negotiations. For example, since Colossus produces only an “expected” result based upon an “average” from input verdicts and settlements, you would want to call to the attention of the adjuster any facts that put your situation outside of the norm.
Let’s say that you are a waitress and you sustained a soft tissue injury to your neck and low back. No matter how good and helpful your medical treatment or no matter how much healing you achieve from a couple of days off of work, your condition will worsen just as soon as you again start carrying those trays full of food or drinks. The weight of that tray on one side or the other will make your injuries worse, and it will be much more difficult for you to obtain healing.
Another example might be a single mother who has to pick up her 11 month old baby frequently. She will suffer continued pain from her accident injuries a lot longer than a person who does not otherwise burden healing tissue. Think of how many times a day she has to pick up that child, and what a strain that puts on her neck and back.
Now do you think there is any way that either of these—or like—situations will be covered or considered in the Colossus result? Of course there isn’t. This is the old adage of: “Garbage In—Garbage Out”. Since the computer was not queried or programmed to consider either of these circumstances, then it is your job to provide sufficient information to the adjuster to allow her to modify the result from Colossus by making another set of information inputs to the program.
What you have to do is to think about your situation and come up with some aspect of your case that may be a little different than the norm. Then you will make note of that situation in a letter to the adjuster and ask her to confirm that in her evaluation she will make allowance for your situation notwithstanding the result suggested by Colossus. A good resource to consult to get such a letter would be a website specialized in personal injury claim such as SettlementCentral.Com (http://www.settlementcentral.com)
If she does not respond, or if she does not agree to make allowance for your particular situation, we suggest you warn her that you will write to the insurance commissioner. Again, consult the SettlementCentral.Com website (http://www.settlementcentral.com) as they do provide a sample demand letter. As a next step, we suggest that you write to your state insurance commissioner and complain about the use of Colossus. Finally, we think that your state Trial Lawyers Association may have some information or suggestions on legislation to curtail the total reliance on Colossus.
Another key to working with an adjuster who is using Colossus is to make sure your medical record documents everything in a way that the software will reward. There are three key elements to this requirement, and you control only one of them: the other two are held by your doctor (who may not wish to make adequate documentation) and the adjuster (who may not cooperate to let you know what format is required for information to be understood by Colossus).
You will need the cooperation of the adjuster to tell you what format would be helpful to him in getting you full value for your claim. Ask him about the quality of your medical records. Which records were most useful, and which records were virtually useless. He should be able to tell you. This person is not an actual enemy; he has a job to do in this mission, and so do you; you need each other to ensure the case is settled fairly and amicably.
Solicit the adjuster’s cooperation to let you know the specific injuries and specific complaints used to evaluate the claim. Since each complaint and injury must be documented in a medical report to be considered by Colossus, ask him to help you by telling you which doctor needs to make a supplementary record in this case.
If you don’t have a good medical record, you will have to obtain a narrative report from your doctor, or get him to make specific findings that are translatable to input into Colossus.
Additional information such as a letter to the insurance adjuster regarding Colossus, letter to the insurance commissioner, and other Colossus references are available for free on our website at: http://www.settlementcentral.com
About The Author
Jeanine Steele is an senior editor with SettlementCentral.Com
http://www.settlementcentral.com
We are professionals who have assisted victims of personal injury for many years as attorneys, medical doctors, chiropractors and other injury treatment specialists, insurance adjusters, legal assistants, medical assistants and chiropractic assistants. Now we share our knowledge of the settlement process, for we are passionate in wanting to ease the suffering we have seen among personal injury victims - often through no fault of their own.
info@settlementcentral.com
The True Cost of a Speeding Ticket
The True Cost of a Speeding Ticket
by: Wayne Patterson
Have you noticed more autos on the side of the road with an officer issuing the driver a speeding ticket? Have you seen more trucks surrounded by DOT transport police? I sure have. There are several reasons for this increased activity.
One is that after 9/11 many departments have increased patrols. The additional police presence is to assure the public that efforts are being taken to prevent terrorist attacks like the recent sniper killings. The other reason is that cities and states are faced with budget deficits in these tough economic times. Since traffic tickets are a politically correct form of taxation, many jurisdictions are increasing fines as a means of balancing the books.
A traffic officer will cost his department the average of $75,000 per year while he can be expected to issue between $150,000 to $200,000 in speeding ticket citations. There are few businesses that can equal that rate of return. Some towns like New Rome, Ohio and Waldo, Florida take in over 70% of their entire town budget through speeding tickets.
What does this mean to you, the safe driver who has not received a traffic citation in years? It means that you are now more likely than ever to see those dreaded blue lights flashing in your rear view. If that does happen you need to know that the true cost of a speeding ticket has changed drastically in the last few years.
Consider Mary, a successful sales representative who enjoys the perk of a company car. She travels extensively and has received four speeding tickets in the last three years. She considers herself a safe driver and in each instance was traveling with the flow of traffic on the interstate. She has 9 out of the 12 points on her driver’s license. Imagine her surprise when her company’s insurance carrier refused to allow Mary to drive a company car. The company obtained supplemental insurance but Mary had to pay the extra $1600.
Then there is Jeffrey, a CDL truck driver from Ohio who is an independent operator and owns his own truck. He drives 150,000 miles per year and has five tickets on his record, none a serious violation. He is unable to obtain insurance that he can afford. He is in the process of losing his truck to the finance company and does not know how he will support his family.
Families with teenagers may face an economic disaster if the teen driver receives a citation. One traffic ticket for rolling through a stop sign could cost as much as $3000 in increased premiums over the three years it remains on their record. The insurance industry considers young adults as teenagers until the age of 23.
The purpose of relating Mary and Jeffrey’s stories is not for you to feel sorry for them. It is to impress upon you the severe consequences that may result from a traffic ticket. It is important to obey all traffic laws, not just for your physical protection but also for the health of your pocketbook. I have found that many people are more concerned about their pocketbook than their personal safety.
What should you do if you receive a citation? Never just pay a speeding ticket. Check with the clerk of court to see if you are eligible for traffic school, even if it is an out-of-state citation. Many states now accept online traffic school. Check to see if this is available in your state at http://www.trafficschoolonline.com/?lcode=4013
If traffic school is not available then you or your attorney need to appear in court to contest the speeding ticket. Hiring an attorney may be your cheapest option when you consider the additional cost of you insurance. Check with your insurance agent to find out the consequences of the original charge being entered on your driving record. The American Bar Association says: "The best way for the majority of Americans to be able to assure themselves of legal assistance when they need it... is through a prepaid legal plan." For nationwide legal services contact http://www.prepaidlegal.com/info/carolynpatterson
Drive safe and stay out of the "No Zone." Remember if you got it a truck brought it.
The author is not an attorney and this is not legal advice.
If you need legal assistance consult an attorney.
About The Author
Wayne Patterson owns two successful construction companies and has been featured in the national Constructor magazine. Visit http://www.speedingticketcentral.com and receive your copy of his ebook "The Bluelight Special".
info@speedingticketcentral.com
by: Wayne Patterson
Have you noticed more autos on the side of the road with an officer issuing the driver a speeding ticket? Have you seen more trucks surrounded by DOT transport police? I sure have. There are several reasons for this increased activity.
One is that after 9/11 many departments have increased patrols. The additional police presence is to assure the public that efforts are being taken to prevent terrorist attacks like the recent sniper killings. The other reason is that cities and states are faced with budget deficits in these tough economic times. Since traffic tickets are a politically correct form of taxation, many jurisdictions are increasing fines as a means of balancing the books.
A traffic officer will cost his department the average of $75,000 per year while he can be expected to issue between $150,000 to $200,000 in speeding ticket citations. There are few businesses that can equal that rate of return. Some towns like New Rome, Ohio and Waldo, Florida take in over 70% of their entire town budget through speeding tickets.
What does this mean to you, the safe driver who has not received a traffic citation in years? It means that you are now more likely than ever to see those dreaded blue lights flashing in your rear view. If that does happen you need to know that the true cost of a speeding ticket has changed drastically in the last few years.
Consider Mary, a successful sales representative who enjoys the perk of a company car. She travels extensively and has received four speeding tickets in the last three years. She considers herself a safe driver and in each instance was traveling with the flow of traffic on the interstate. She has 9 out of the 12 points on her driver’s license. Imagine her surprise when her company’s insurance carrier refused to allow Mary to drive a company car. The company obtained supplemental insurance but Mary had to pay the extra $1600.
Then there is Jeffrey, a CDL truck driver from Ohio who is an independent operator and owns his own truck. He drives 150,000 miles per year and has five tickets on his record, none a serious violation. He is unable to obtain insurance that he can afford. He is in the process of losing his truck to the finance company and does not know how he will support his family.
Families with teenagers may face an economic disaster if the teen driver receives a citation. One traffic ticket for rolling through a stop sign could cost as much as $3000 in increased premiums over the three years it remains on their record. The insurance industry considers young adults as teenagers until the age of 23.
The purpose of relating Mary and Jeffrey’s stories is not for you to feel sorry for them. It is to impress upon you the severe consequences that may result from a traffic ticket. It is important to obey all traffic laws, not just for your physical protection but also for the health of your pocketbook. I have found that many people are more concerned about their pocketbook than their personal safety.
What should you do if you receive a citation? Never just pay a speeding ticket. Check with the clerk of court to see if you are eligible for traffic school, even if it is an out-of-state citation. Many states now accept online traffic school. Check to see if this is available in your state at http://www.trafficschoolonline.com/?lcode=4013
If traffic school is not available then you or your attorney need to appear in court to contest the speeding ticket. Hiring an attorney may be your cheapest option when you consider the additional cost of you insurance. Check with your insurance agent to find out the consequences of the original charge being entered on your driving record. The American Bar Association says: "The best way for the majority of Americans to be able to assure themselves of legal assistance when they need it... is through a prepaid legal plan." For nationwide legal services contact http://www.prepaidlegal.com/info/carolynpatterson
Drive safe and stay out of the "No Zone." Remember if you got it a truck brought it.
The author is not an attorney and this is not legal advice.
If you need legal assistance consult an attorney.
About The Author
Wayne Patterson owns two successful construction companies and has been featured in the national Constructor magazine. Visit http://www.speedingticketcentral.com and receive your copy of his ebook "The Bluelight Special".
info@speedingticketcentral.com
The Three Basic Methods Of Car Pinstriping
The Three Basic Methods Of Car Pinstriping
by: Marc Deschamps
Before we talk about the different auto pinstriping methods we need to cover a couple of basic points :
1) Pinstripes are usually done in two colors: one that compliments the body color, and another, thin line, which contrasts to make the stripe stand out. There are no rules: color choice is a matter of personal preference .... and imagination !!!
2) Make sure the surface to pinstripe is absolutely clean. Get rid of all residue with a good pre-surface preparation product
OK, now to the different auto pinstriping techniques :
Mechanical Pinstriping
A mechanical auto pinstriping is the best for striping long areas like trucks, vans, or station wagons. The main advantage is that it puts down stripes of consistent width, letting you concentrate more on keeping the contour of the stripe aligned along your work surface. The Buegler pinstriper and accessories are one of the preferred by body shops and pinstripers for their high quality construction and consistent operation. The easiest way to use a Buegler striper is to set up your stripe line using a magnetic auto pinstriping strip. It adheres firmly to steel surfaces, forms mild curves, and has a center groove designed with the Buegler's guide arm in mind. The strip can also act as a guide for your hand.
Striping with Stencil Tape
There are several different stencil tapes that are suitable for almost any auto pinstriping application. Stencil tapes let you lay down stripes of different colors without waiting for the other stripes to dry.
Stencil tape striping requires brushes: the pinstriping brush is the most important element for an excellent final result.
Freehand Striping
This auto pinstriping method is the most advanced one and requires the most practice to master, but offers unlimited flexibility. The easiest method for the freehand striping novice is to lay down a strip of masking tape about ¼ inch from where you would like the line to be. Use the tape as a visual guide for your stripes. Do not use standard masking tape for edging pinstripes. the pinstriping paint will seep and bleed under the edge of standard masking tape. The pinstriping can be as plain or as fancy as your patience and level of skill allows.
Regardless of the design, pinstriping is one of the best ways to make your vehicle very unique. Like anything worth doing right, practice will make worthwhile results .... and having the best possible supplies is critical too.
About The Author
Marc Deschamps is the editor of CarAccessoriesMagazine, a free online publication dedicated to automotive accessories, car care and related topics. Other articles full of information, tips and advice can be found at http://www.car-accessories-magazine.com.
The above article is free to distribute by any media as long as links are maintained.
marc@car-accessories-magazine.com
by: Marc Deschamps
Before we talk about the different auto pinstriping methods we need to cover a couple of basic points :
1) Pinstripes are usually done in two colors: one that compliments the body color, and another, thin line, which contrasts to make the stripe stand out. There are no rules: color choice is a matter of personal preference .... and imagination !!!
2) Make sure the surface to pinstripe is absolutely clean. Get rid of all residue with a good pre-surface preparation product
OK, now to the different auto pinstriping techniques :
Mechanical Pinstriping
A mechanical auto pinstriping is the best for striping long areas like trucks, vans, or station wagons. The main advantage is that it puts down stripes of consistent width, letting you concentrate more on keeping the contour of the stripe aligned along your work surface. The Buegler pinstriper and accessories are one of the preferred by body shops and pinstripers for their high quality construction and consistent operation. The easiest way to use a Buegler striper is to set up your stripe line using a magnetic auto pinstriping strip. It adheres firmly to steel surfaces, forms mild curves, and has a center groove designed with the Buegler's guide arm in mind. The strip can also act as a guide for your hand.
Striping with Stencil Tape
There are several different stencil tapes that are suitable for almost any auto pinstriping application. Stencil tapes let you lay down stripes of different colors without waiting for the other stripes to dry.
Stencil tape striping requires brushes: the pinstriping brush is the most important element for an excellent final result.
Freehand Striping
This auto pinstriping method is the most advanced one and requires the most practice to master, but offers unlimited flexibility. The easiest method for the freehand striping novice is to lay down a strip of masking tape about ¼ inch from where you would like the line to be. Use the tape as a visual guide for your stripes. Do not use standard masking tape for edging pinstripes. the pinstriping paint will seep and bleed under the edge of standard masking tape. The pinstriping can be as plain or as fancy as your patience and level of skill allows.
Regardless of the design, pinstriping is one of the best ways to make your vehicle very unique. Like anything worth doing right, practice will make worthwhile results .... and having the best possible supplies is critical too.
About The Author
Marc Deschamps is the editor of CarAccessoriesMagazine, a free online publication dedicated to automotive accessories, car care and related topics. Other articles full of information, tips and advice can be found at http://www.car-accessories-magazine.com.
The above article is free to distribute by any media as long as links are maintained.
marc@car-accessories-magazine.com
Rules of the Road
Rules of the Road
by: Kevin Schappell
With road rage being so common these days, we should all take a step back and review a few rules of the road. While not taught in most driver education classes or state driver's manuals, these rules will help you be a better driver.
* The left lane is for passing. If you are going to pass, do it quickly and safely. Some states have laws that prohibit "driving" in the left lane, leaving it open for passing only.
* If someone is trying to merge onto the highway and you have room, get into the left lane. This can help avoid an accident or at the least make someone's day a little brighter.
* Be aware of large trucks and their driving styles. Tractor trailers, dump trucks, and other large vehicles can not stop as fast as you can. Keep that in mind the next time you squeeze in front of a truck at the stop light. Also, heavy trucks while on the highway will slow down while going up large hills but pick up speed on the downhill side. This can lead to a game of leap frog which will frustrate you and the truck driver. If possible get far enough ahead of the truck to avoid excessive passing!
* Use your turn signals. I swear they were an option in some cars, considering most people do not use them. They are there as a signal to inform your fellow drivers where you plan to go.
I guess this has been a list of my pet peeves, but I hope it will help you have a safer trip down the road. Remember, we all share the road and together we can make it safer.
Take care and safe driving,
About The Author
Kevin Schappell maintains http://www.autoeducation.com where he gives advice on car maintenance, buying, selling, insurance, and financing. A mechanical engineer and car guy, Kevin has decided to spend his online time helping others learn about automobiles.
by: Kevin Schappell
With road rage being so common these days, we should all take a step back and review a few rules of the road. While not taught in most driver education classes or state driver's manuals, these rules will help you be a better driver.
* The left lane is for passing. If you are going to pass, do it quickly and safely. Some states have laws that prohibit "driving" in the left lane, leaving it open for passing only.
* If someone is trying to merge onto the highway and you have room, get into the left lane. This can help avoid an accident or at the least make someone's day a little brighter.
* Be aware of large trucks and their driving styles. Tractor trailers, dump trucks, and other large vehicles can not stop as fast as you can. Keep that in mind the next time you squeeze in front of a truck at the stop light. Also, heavy trucks while on the highway will slow down while going up large hills but pick up speed on the downhill side. This can lead to a game of leap frog which will frustrate you and the truck driver. If possible get far enough ahead of the truck to avoid excessive passing!
* Use your turn signals. I swear they were an option in some cars, considering most people do not use them. They are there as a signal to inform your fellow drivers where you plan to go.
I guess this has been a list of my pet peeves, but I hope it will help you have a safer trip down the road. Remember, we all share the road and together we can make it safer.
Take care and safe driving,
About The Author
Kevin Schappell maintains http://www.autoeducation.com where he gives advice on car maintenance, buying, selling, insurance, and financing. A mechanical engineer and car guy, Kevin has decided to spend his online time helping others learn about automobiles.
The Right Wheelchair Accessories Will Ease Your Life and Your Journeys on Wheels
The Right Wheelchair Accessories Will Ease Your Life and Your Journeys on Wheels
by: Laura Gray
Wheelchairs come in every shape and size with sufficient options that you can find the wheels you like to take you where you want to go with the assistance you need. To enhance the comfort and convenience of your journey, choose accessories tailored to provide the best support for your activities and your health concerns.
A manual powered wheelchair is a good choice if you have reasonable upper body strength, but electric wheelchairs are preferred by people with upper body impairments. A manual chair could be suitable for years, but increasing age, pain, or fatigue might make it clear that it is time to switch to a motorized chair and save the wear and tear on your body. If you are an active sportsperson, you’ll want a lightweight manual; if you live in an area with rough terrain, you’ll need wheels and tires that are up to the job. For people whose problem is simply limited ability to walk or stand for long periods of time, motorized scooters are probably the preferred choice. Once you have considered your needs and made your chair selection, check out the wonderful choice of wheelchair accessories that can change your ride from good to great.
The Perfect Cushion is a Necessity not a Luxury
A good seat cushion for your chair is too important to be considered a luxury item and you should find one that fits your requirements exactly. A good cushion can save you not only from pressure sores but also from the incorrect posture that can generate a variety of back and neck problems. If you have a neuromuscular disease, respiration, circulation and swallowing are also concerns that need to be addressed by correct posture, which means being supported by a good cushion.
1. Foam cushions are the least expensive, are lightweight, and are available in a variety of densities. You can also cut and trim them if pressure problems develop. They will, however, lose their shape eventually, which, in itself, can create pressure problems.
2. Air floatation cushions will give you even pressure distribution and some models can be inflated to the exact height needed. You can purchase them as single-chamber cushions or dual-chamber cushions that allow the sides to be at different heights. They are lightweight and waterproof, but can, however, develop leaks or punctures. The pressure should be checked regularly.
3. Gel cushions are particularly comfortable and distribute pressure very evenly. They are heavier than foam or air, however, and it is important to check these products to make sure the design you are considering will not allow the gel to push out to the sides and cause the cushion to lose its shape.
A Wheelchair Ramp Gets You to Where You Want to Be
We’ve come a long way, baby, from the days when it was difficult or impossible for wheelchair riders to gain entrance to most public buildings. There are now ramps, enlarged doorways, at least one large stall in most public restrooms, and areas in the parking lot designated for handicap parking. There are older buildings, however, that have not yet made accommodation for mobile chairs, and, of course, most private homes are difficult to access with a wheelchair. You will need to travel by car or van on occasion, which means you need some kind of ramp, lift, or hoist to use with the vehicle, and a lift in the home may be necessary for a wheelchair user to access an upper floor. Fortunately, there is a wide range of new and used lifts, ramps and hoists, and you should be able to find a suitable product among the many wheelchair accessories available for any situation you encounter.
The term "permanent wheelchair ramp" is self-explanatory; "semi-permanent" means that it is assembled using bolts, which, of course, can be loosened so that the ramp can be moved and used elsewhere. A portable ramp can be folded or rolled up and will have some kind of carrying case – one model has suitcase handles. Ramps can have such safety refinements as side rails and non-skid tracks. You can select portable ramps that are suitable for use with thresholds only or for use with minivans. Van ramps are less expensive than lifts, fold in half, and are stored vertically.
Wheelchair lifts will have either electrical or hydraulic operating systems. Hydraulic lifts have the advantage of working even when there is a power outage, and they will provide a smooth and fluid ride. Electric lifts are cheaper, are quiet and comfortable, and can be fitted with automatic door openers and even telephone jacks. Make sure you choose one that has a battery for use in case of emergency. Stair lifts are very convenient and popular for home use and for accessing ordinary cars, and are easy for one person to operate. Automotive lifts can be quickly assembled and taken apart.
Other Wheelchair Accessories Provide Additional Comfort and Convenience
Wheelchairs provide independence and mobility, and, with the right wheelchair accessories, will maximize comfort, convenience, safety, and quality of life. These items might include:
1. Mounting systems for communication devices and laptop computers
2. Restraint systems for securing your chair in order to transport it in a car or a van
3. Adjustable hand controls and driving controls
4. Support aids:
* to help in sitting upright
* to prevent slipping from side to side
* to support the head
* to elevate the legs
5. Wheelchair locks and covers
6. Protective pads for arms, elbows and legs, and gloves for the hands and cushions for the back
7. Voice activated wheelchair controls
Take Advantage of Easy Online Shopping
Compare costs and find the best price for the right product online. Whether you need a wheelchair ramp and accessories, or equipment for adapting your chair for growth or loss of body strength or mobility, the Internet can be your best source of product information and cost comparison. Technology is always changing, and there are new products available to make your life easier every year, no matter what medical problems you have. Order replacement parts for your chair, such as batteries, tires, and wheels, as well as new or old and familiar products with confidence from the convenience of your home. We can help keep you independent and on the move with wheelchair accessories that are just right for you.
About the Author
Laura Grayis currently freelance writing and enjoys providing information and moneysaving tips to consumers who are in the market fora wheelchair or wheelchair accessories.
by: Laura Gray
Wheelchairs come in every shape and size with sufficient options that you can find the wheels you like to take you where you want to go with the assistance you need. To enhance the comfort and convenience of your journey, choose accessories tailored to provide the best support for your activities and your health concerns.
A manual powered wheelchair is a good choice if you have reasonable upper body strength, but electric wheelchairs are preferred by people with upper body impairments. A manual chair could be suitable for years, but increasing age, pain, or fatigue might make it clear that it is time to switch to a motorized chair and save the wear and tear on your body. If you are an active sportsperson, you’ll want a lightweight manual; if you live in an area with rough terrain, you’ll need wheels and tires that are up to the job. For people whose problem is simply limited ability to walk or stand for long periods of time, motorized scooters are probably the preferred choice. Once you have considered your needs and made your chair selection, check out the wonderful choice of wheelchair accessories that can change your ride from good to great.
The Perfect Cushion is a Necessity not a Luxury
A good seat cushion for your chair is too important to be considered a luxury item and you should find one that fits your requirements exactly. A good cushion can save you not only from pressure sores but also from the incorrect posture that can generate a variety of back and neck problems. If you have a neuromuscular disease, respiration, circulation and swallowing are also concerns that need to be addressed by correct posture, which means being supported by a good cushion.
1. Foam cushions are the least expensive, are lightweight, and are available in a variety of densities. You can also cut and trim them if pressure problems develop. They will, however, lose their shape eventually, which, in itself, can create pressure problems.
2. Air floatation cushions will give you even pressure distribution and some models can be inflated to the exact height needed. You can purchase them as single-chamber cushions or dual-chamber cushions that allow the sides to be at different heights. They are lightweight and waterproof, but can, however, develop leaks or punctures. The pressure should be checked regularly.
3. Gel cushions are particularly comfortable and distribute pressure very evenly. They are heavier than foam or air, however, and it is important to check these products to make sure the design you are considering will not allow the gel to push out to the sides and cause the cushion to lose its shape.
A Wheelchair Ramp Gets You to Where You Want to Be
We’ve come a long way, baby, from the days when it was difficult or impossible for wheelchair riders to gain entrance to most public buildings. There are now ramps, enlarged doorways, at least one large stall in most public restrooms, and areas in the parking lot designated for handicap parking. There are older buildings, however, that have not yet made accommodation for mobile chairs, and, of course, most private homes are difficult to access with a wheelchair. You will need to travel by car or van on occasion, which means you need some kind of ramp, lift, or hoist to use with the vehicle, and a lift in the home may be necessary for a wheelchair user to access an upper floor. Fortunately, there is a wide range of new and used lifts, ramps and hoists, and you should be able to find a suitable product among the many wheelchair accessories available for any situation you encounter.
The term "permanent wheelchair ramp" is self-explanatory; "semi-permanent" means that it is assembled using bolts, which, of course, can be loosened so that the ramp can be moved and used elsewhere. A portable ramp can be folded or rolled up and will have some kind of carrying case – one model has suitcase handles. Ramps can have such safety refinements as side rails and non-skid tracks. You can select portable ramps that are suitable for use with thresholds only or for use with minivans. Van ramps are less expensive than lifts, fold in half, and are stored vertically.
Wheelchair lifts will have either electrical or hydraulic operating systems. Hydraulic lifts have the advantage of working even when there is a power outage, and they will provide a smooth and fluid ride. Electric lifts are cheaper, are quiet and comfortable, and can be fitted with automatic door openers and even telephone jacks. Make sure you choose one that has a battery for use in case of emergency. Stair lifts are very convenient and popular for home use and for accessing ordinary cars, and are easy for one person to operate. Automotive lifts can be quickly assembled and taken apart.
Other Wheelchair Accessories Provide Additional Comfort and Convenience
Wheelchairs provide independence and mobility, and, with the right wheelchair accessories, will maximize comfort, convenience, safety, and quality of life. These items might include:
1. Mounting systems for communication devices and laptop computers
2. Restraint systems for securing your chair in order to transport it in a car or a van
3. Adjustable hand controls and driving controls
4. Support aids:
* to help in sitting upright
* to prevent slipping from side to side
* to support the head
* to elevate the legs
5. Wheelchair locks and covers
6. Protective pads for arms, elbows and legs, and gloves for the hands and cushions for the back
7. Voice activated wheelchair controls
Take Advantage of Easy Online Shopping
Compare costs and find the best price for the right product online. Whether you need a wheelchair ramp and accessories, or equipment for adapting your chair for growth or loss of body strength or mobility, the Internet can be your best source of product information and cost comparison. Technology is always changing, and there are new products available to make your life easier every year, no matter what medical problems you have. Order replacement parts for your chair, such as batteries, tires, and wheels, as well as new or old and familiar products with confidence from the convenience of your home. We can help keep you independent and on the move with wheelchair accessories that are just right for you.
About the Author
Laura Grayis currently freelance writing and enjoys providing information and moneysaving tips to consumers who are in the market fora wheelchair or wheelchair accessories.
The Right Auto Insurance Can Save You Money!
The Right Auto Insurance Can Save You Money!
by: Mike Yeager
Auto insurance is a protective feature that everyone needs who owns a car. Auto insurance allows you to have financial coverage in case you are involved in an auto accident; regardless of who is at fault. When shopping for auto insurance keep in mind that rates will vary dramatically for the same driver, depending on which company you ask. The key to savings lies in comparing many auto insurance quotes, to find the insurer that will give you the best rates.
If the auto insurance company you’re investigating is sound then it’s possible to purchase cheap auto insurance coverage that will give you peace of mind. Most states require you to purchase a minimum amount of auto insurance. In order to even drive your car you need to have at least liability insurance, in other words you have insurance to cover the expenses of the other party if you cause an insurance. If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills.
There are some insurance companies that offer discounts to those drivers who put fewer than a predetermined number of miles on their cars each year. Considering the high price of gasoline, carpooling and taking public transportation such as buses around town can help you save more than just premium dollars.
You’ll find that there are many places to locate cheap auto insurance to not only save you money but to also give you adequate coverage and protection.
Take your time to look around and you’ll find that you can save on your auto insurance rates.
About The Author
Mike Yeager
Publisher
http://www.a1-insurance-quotes-4u.com/
mjy610@hotmail.com
by: Mike Yeager
Auto insurance is a protective feature that everyone needs who owns a car. Auto insurance allows you to have financial coverage in case you are involved in an auto accident; regardless of who is at fault. When shopping for auto insurance keep in mind that rates will vary dramatically for the same driver, depending on which company you ask. The key to savings lies in comparing many auto insurance quotes, to find the insurer that will give you the best rates.
If the auto insurance company you’re investigating is sound then it’s possible to purchase cheap auto insurance coverage that will give you peace of mind. Most states require you to purchase a minimum amount of auto insurance. In order to even drive your car you need to have at least liability insurance, in other words you have insurance to cover the expenses of the other party if you cause an insurance. If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills.
There are some insurance companies that offer discounts to those drivers who put fewer than a predetermined number of miles on their cars each year. Considering the high price of gasoline, carpooling and taking public transportation such as buses around town can help you save more than just premium dollars.
You’ll find that there are many places to locate cheap auto insurance to not only save you money but to also give you adequate coverage and protection.
Take your time to look around and you’ll find that you can save on your auto insurance rates.
About The Author
Mike Yeager
Publisher
http://www.a1-insurance-quotes-4u.com/
mjy610@hotmail.com
The Motor Vehicle Accident “Whiplash-Type” Injury -- As Of 2004
The Motor Vehicle Accident “Whiplash-Type” Injury -- As Of 2004
by: Dan Baldyga
The “Bottom Line” regarding “Whiplash Crash Facts” (accumulated during 2004 - - and including all the previous years) are as follows:
THERE ARE EIGHT SERIOUS AND ABSOLUTE FACTS IMPACTING AND REGARDING THAT WHICH IS TODAY IDENTIFIED AS A “WHIPLASH” INJURY. THEY ARE AS FOLLOWS: 1#. The “Threshold” for cervical spine soft tissue injury becomes a reality at 5 MPH.2#. Most injuries occur at speeds below 12 MPH. #3. Crashed cars can often withstand collision speeds of 10 MPH (some even more) without sustaining damage. (THUS: The concept of “No Property Damage - No Cash” has absolutely been invalidated)! #4. A delay in the onset of symptoms has been found to be the “Norm” rather than the “Exception”. #5. Mild traumatic brain injury can be the result of a Whiplash -Type injury. (These symptoms are often referred to as, “Post Concussion Syndrome”). #6. Up to 10% of victims of “Whiplash” become totally disabled ! #7. Of the 31 important whiplash studies since 1956 (19 of them executed since 1990) regarding patients from all vectors of motor vehicle accident collision impacts (be they rear, frontal, or side) it was found that “over 60% of them” needed long-term medical follow-up. #8. In 2003 several million Americans suffered a “Whiplash-Type” injury. This figure flows into the stratosphere each and ever day at an alarming rate of speed!
TIME NEEDED TO RECOVER
Studies have proven that 45% of the victims remained symptomatic at 12 weeks and 25% remained symptomatic at 6 months. The most minor cases needed at least 8 weeks to recover. The time needed to stabilize in the more severe cases took 17 weeks. THUS: The written (and often declared) notion that “Whiplash Injuries Heal In 6 To 8 Weeks” is just not true !
CHILDREN AND THE “WHIPLASH-TYPE” INJURY: Youngsters who have had Whiplash-Type injuries display sleep disturbances and nightmares, difficulties in talking to parents and friends, mood disturbances, poor academic performance and specific fears when it came to impact related play. ANOTHER SERIOUS CONCLUSION: Children who have been involved in motor vehicle accidents are often neglected as having had “Any various types of injury“, when in actuality, they suffer from the same symptoms as adults. As a matter of fact, they’re at a greater risk for damages - - especially when it comes to “WHIPLASH” !
THE FIVE MOST COMMON MYTHS AS APPLIED TO “WHIPLASH”
#1. Low speed impact crashes don’t cause injuries. #2. Injuries heal in 6 to 12 weeks. #3. A patients pre-injury psychological makeup affects recovery.#4. The greater the vehicle damage the greater the occupant injury.#5. An “Accident Re-Constructionist” can predict injury potential. All five of these “Conclusions” have been proved to be totally incorrect !
THREE SOLID “INJURY-CRASH-FACTS” size=2>
#1. Most injuries occur at speeds below 12 MPH.#2. Rear-end impacts of 6 MPH to 12 MPH cause the most injuries. #3. Between 1 and 2 years post-injury, 22% of patient’s conditions have not returned to “Normal”.
NINE ABSOLUTELY CORRECT WHIPLASH “RISK-FACTORS”
#1. DEGENERATIVE DISEASE: Headaches and/or neck injury pain (for whatever reasons) prior to the crash. #2. PRE-EXISTING HEALTH PROBLEMS: These can positively lead to even greater pain. (For example: A solid Arthritis situation will always lead to the severity of the injury and the pain).#3. VEHICLE SIZE: Even if both are about the same size an 8 MPH impact produces two times the force of gravity. If one is greater than the size of another the Gravity-Force becomes monumental! #4. HEADREST POSITION: The injury becomes much worse if it’s too far away. It must be close enough to catch the head in time - - or about 2 inches. (Over 98% of the headrests are more than 2 inches from the head). #5. POSITION OF HEAD AT IMPACT: If not positively straight (it rarely is) all the G Forces are localized to one side of the spine, substantially increasing the severity of injuries. #6. AGE: How old one is plays a crucial role regarding a “Whiplash-Type” of injury. Why? Because as the body becomes older, ligaments become less pliable, muscles are weaker and less flexible plus there’s a decreased range of motion. #7. WOMEN AND CHILDREN: They injure more seriously than men because they have smaller necks. They may also be too close to the steering wheel, airbag and/or are wearing an improper fitting shoulder harness. #8. NON-USE OF: The motor vehicle’s shoulder harness. #9. FAILURE TO WEAR A SEATBELT !
ALWAYS REMEMBER YOUR MEDICAL PAYMENTS COVERAGE
YOU MUST READ AND UNDERSTAND ALL THERE IS TO KNOW ABOUT YOUR MOTOR VEHICLE INSURANCE “MEDICAL PAYMENTS” COVERAGE: This coverage pays all Medical (and often even funeral expenses) for you, your spouse and even relatives living in your home, and/or others who are injured while operating your motor vehicle.
HERE’S A “BIGGIE” THAT MANY PEOPLE ARE NOT AWARE OF: You and your resident family members may also be covered as pedestrians regarding the payment of your medical bills - - should you have been struck and injured by a motor vehicle.
PLUS: WHEN IT COMES TO YOUR MOTOR VEHICLES “MEDICAL PAYMENTS” COVERAGE - - HERE ARE TWO HUGE FACTS YOU MUST INVESTIGATE: #1. You’re usually paid (regardless of who was at fault for the accident) up to the limit of the coverage you’ve selected. #2. The coverage often extends to expenses incurred - - within he first three years of the accident !
Copyright (c) 2004 By Daniel G. Baldyga
DISCLAIMER: The only purpose of this article THE MOTOR VEHICLE ACCIDENT “WHIPLASH-TYPE” INJURY - - AS OF 2004 is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go, nor ARTICLECITY.COM make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, claims consultant or the like. Whenever such help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain such services.
All of the information necessary for you to deal with and handle the above issues are spelled out within the contents of Dan Baldyga’s third “How To” Insurance Claim Book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will tell you exactly how many dollars the “Pain and Suffering” you endured because of your accident - - are worth!
About The Author
Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accident claims so the won't be take advantage of: dbpaw@comcast.net.
by: Dan Baldyga
The “Bottom Line” regarding “Whiplash Crash Facts” (accumulated during 2004 - - and including all the previous years) are as follows:
THERE ARE EIGHT SERIOUS AND ABSOLUTE FACTS IMPACTING AND REGARDING THAT WHICH IS TODAY IDENTIFIED AS A “WHIPLASH” INJURY. THEY ARE AS FOLLOWS: 1#. The “Threshold” for cervical spine soft tissue injury becomes a reality at 5 MPH.2#. Most injuries occur at speeds below 12 MPH. #3. Crashed cars can often withstand collision speeds of 10 MPH (some even more) without sustaining damage. (THUS: The concept of “No Property Damage - No Cash” has absolutely been invalidated)! #4. A delay in the onset of symptoms has been found to be the “Norm” rather than the “Exception”. #5. Mild traumatic brain injury can be the result of a Whiplash -Type injury. (These symptoms are often referred to as, “Post Concussion Syndrome”). #6. Up to 10% of victims of “Whiplash” become totally disabled ! #7. Of the 31 important whiplash studies since 1956 (19 of them executed since 1990) regarding patients from all vectors of motor vehicle accident collision impacts (be they rear, frontal, or side) it was found that “over 60% of them” needed long-term medical follow-up. #8. In 2003 several million Americans suffered a “Whiplash-Type” injury. This figure flows into the stratosphere each and ever day at an alarming rate of speed!
TIME NEEDED TO RECOVER
Studies have proven that 45% of the victims remained symptomatic at 12 weeks and 25% remained symptomatic at 6 months. The most minor cases needed at least 8 weeks to recover. The time needed to stabilize in the more severe cases took 17 weeks. THUS: The written (and often declared) notion that “Whiplash Injuries Heal In 6 To 8 Weeks” is just not true !
CHILDREN AND THE “WHIPLASH-TYPE” INJURY: Youngsters who have had Whiplash-Type injuries display sleep disturbances and nightmares, difficulties in talking to parents and friends, mood disturbances, poor academic performance and specific fears when it came to impact related play. ANOTHER SERIOUS CONCLUSION: Children who have been involved in motor vehicle accidents are often neglected as having had “Any various types of injury“, when in actuality, they suffer from the same symptoms as adults. As a matter of fact, they’re at a greater risk for damages - - especially when it comes to “WHIPLASH” !
THE FIVE MOST COMMON MYTHS AS APPLIED TO “WHIPLASH”
#1. Low speed impact crashes don’t cause injuries. #2. Injuries heal in 6 to 12 weeks. #3. A patients pre-injury psychological makeup affects recovery.#4. The greater the vehicle damage the greater the occupant injury.#5. An “Accident Re-Constructionist” can predict injury potential. All five of these “Conclusions” have been proved to be totally incorrect !
THREE SOLID “INJURY-CRASH-FACTS” size=2>
#1. Most injuries occur at speeds below 12 MPH.#2. Rear-end impacts of 6 MPH to 12 MPH cause the most injuries. #3. Between 1 and 2 years post-injury, 22% of patient’s conditions have not returned to “Normal”.
NINE ABSOLUTELY CORRECT WHIPLASH “RISK-FACTORS”
#1. DEGENERATIVE DISEASE: Headaches and/or neck injury pain (for whatever reasons) prior to the crash. #2. PRE-EXISTING HEALTH PROBLEMS: These can positively lead to even greater pain. (For example: A solid Arthritis situation will always lead to the severity of the injury and the pain).#3. VEHICLE SIZE: Even if both are about the same size an 8 MPH impact produces two times the force of gravity. If one is greater than the size of another the Gravity-Force becomes monumental! #4. HEADREST POSITION: The injury becomes much worse if it’s too far away. It must be close enough to catch the head in time - - or about 2 inches. (Over 98% of the headrests are more than 2 inches from the head). #5. POSITION OF HEAD AT IMPACT: If not positively straight (it rarely is) all the G Forces are localized to one side of the spine, substantially increasing the severity of injuries. #6. AGE: How old one is plays a crucial role regarding a “Whiplash-Type” of injury. Why? Because as the body becomes older, ligaments become less pliable, muscles are weaker and less flexible plus there’s a decreased range of motion. #7. WOMEN AND CHILDREN: They injure more seriously than men because they have smaller necks. They may also be too close to the steering wheel, airbag and/or are wearing an improper fitting shoulder harness. #8. NON-USE OF: The motor vehicle’s shoulder harness. #9. FAILURE TO WEAR A SEATBELT !
ALWAYS REMEMBER YOUR MEDICAL PAYMENTS COVERAGE
YOU MUST READ AND UNDERSTAND ALL THERE IS TO KNOW ABOUT YOUR MOTOR VEHICLE INSURANCE “MEDICAL PAYMENTS” COVERAGE: This coverage pays all Medical (and often even funeral expenses) for you, your spouse and even relatives living in your home, and/or others who are injured while operating your motor vehicle.
HERE’S A “BIGGIE” THAT MANY PEOPLE ARE NOT AWARE OF: You and your resident family members may also be covered as pedestrians regarding the payment of your medical bills - - should you have been struck and injured by a motor vehicle.
PLUS: WHEN IT COMES TO YOUR MOTOR VEHICLES “MEDICAL PAYMENTS” COVERAGE - - HERE ARE TWO HUGE FACTS YOU MUST INVESTIGATE: #1. You’re usually paid (regardless of who was at fault for the accident) up to the limit of the coverage you’ve selected. #2. The coverage often extends to expenses incurred - - within he first three years of the accident !
Copyright (c) 2004 By Daniel G. Baldyga
DISCLAIMER: The only purpose of this article THE MOTOR VEHICLE ACCIDENT “WHIPLASH-TYPE” INJURY - - AS OF 2004 is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go, nor ARTICLECITY.COM make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, claims consultant or the like. Whenever such help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain such services.
All of the information necessary for you to deal with and handle the above issues are spelled out within the contents of Dan Baldyga’s third “How To” Insurance Claim Book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will tell you exactly how many dollars the “Pain and Suffering” you endured because of your accident - - are worth!
About The Author
Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accident claims so the won't be take advantage of: dbpaw@comcast.net.
The Many Types Of Light Available Today
The Many Types Of Light Available Today
by: Antigone Arthur
The Many Types Of Light Available Today
What's in a light bulb? For most people, an incandescent light bulb comes to mind when discussing "light". The incandescent light bulb has traditionally provided homes with light into the wee hours of the night. Most incandescent bulbs produce life for 750 hours. Not bad for some filament and a glass dome.
As times have changed so too have consumers needs for different types of light. Fortunately researchers have kept up with the demand, creating many different types of bulb to suit almost anyone's needs. Think you need only a traditional light bulb? Think again. Once you discover the endless possibilities, you may change your mind.
New Discoveries in Incandescence
Today consumers can choose from many specialized forms of light bulb. Depending on your needs you will find one that suits you. Here are some of the more common light bulbs available today:
* Full spectrum light bulbs - These light bulbs produce specialized light called "white light". They may help relieve disorders resulting from inadequate exposure the sunlight. Most produce light at an intensity equal to outdoor daylight.
* Automotive LED bulbs - Automotive bulbs are specialized bulbs often used in automobiles. These light are the small lights you might see when you turn your signal on in your car.
* Compact fluorescent light bulbs - Compact bulbs produce a softer light than incandescent bulbs. They also use less electricity and last much longer than standard light bulbs.
* Halogen light bulbs - Halogen bulbs are expensive but provide more light than traditional bulbs and last much longer. They are good for household lighting needs.
* Projector light bulbs - Wouldn't you know it, there is a specialty light bulb for everything. These bulbs are of course, for use in projectors.
* Tanning bed bulbs - Of course tanning bulbs produce ultraviolet rays to help tan the skin. Most beds need up to 30 tanning bulbs.
* Specialty light bulbs - These include all light bulbs in any category not listed above.
Don't think for a minute however that these choices are the only when it comes to light. There is virtually a light bulb to meet anyone and everyone's needs available on the market today.
Choosing The Right Bulb
If you want a long lasting light for your house, consider the halogen bulb. These bulbs have gained in popularity in recent years. Some people however, prefer fluorescent bulbs. Over time, one can't argue that fluorescent bulbs are more energy efficient than most other bulbs combined. That's why so many offices use them.
Another category mentioned above rapidly gaining popularity are full spectrum light bulbs. These light bulbs are not cheap. However, there are many perks. People often buy these light bulbs to relieve depression, seasonal affective disorder, jet lag and fatigue. Full spectrum light bulbs almost qualify as therapy. In fact, you may even be able to argue with your insurance company to pay for them. (If you can get your doctor to prescribe some full spectrum light for you). These are a good choice if you plan on creating a mini oasis in your home, with light intensity matching that of the sun. Keep in mind however, they are pricey. Many feel the price however, is well worth the investment.
Cheap light bulbs abound however. Cheap light bulbs (the incandescent type) are good for producing an average amount and quality of light. You can buy replacements for these easily and inexpensively. While not durable, they are easy to use and still the most popular choice among consumers today. Let's not forget their many benefits. They are inexpensive, easy to use, run using low voltage, can be battery operated AND come in a variety of shapes, styles and sizes. You really can't beat that when it comes to light bulb value!
So take a moment to review the many bulbs now available on the market. Why not try something new? You may find yourself pleasantly surprised!
About the Author
About The Author:
Antigone Arthur is a successful freelance writer providing consumers with informative articles on such topics as projector light bulbs, specialty light bulbs, and discount light bulbs.
by: Antigone Arthur
The Many Types Of Light Available Today
What's in a light bulb? For most people, an incandescent light bulb comes to mind when discussing "light". The incandescent light bulb has traditionally provided homes with light into the wee hours of the night. Most incandescent bulbs produce life for 750 hours. Not bad for some filament and a glass dome.
As times have changed so too have consumers needs for different types of light. Fortunately researchers have kept up with the demand, creating many different types of bulb to suit almost anyone's needs. Think you need only a traditional light bulb? Think again. Once you discover the endless possibilities, you may change your mind.
New Discoveries in Incandescence
Today consumers can choose from many specialized forms of light bulb. Depending on your needs you will find one that suits you. Here are some of the more common light bulbs available today:
* Full spectrum light bulbs - These light bulbs produce specialized light called "white light". They may help relieve disorders resulting from inadequate exposure the sunlight. Most produce light at an intensity equal to outdoor daylight.
* Automotive LED bulbs - Automotive bulbs are specialized bulbs often used in automobiles. These light are the small lights you might see when you turn your signal on in your car.
* Compact fluorescent light bulbs - Compact bulbs produce a softer light than incandescent bulbs. They also use less electricity and last much longer than standard light bulbs.
* Halogen light bulbs - Halogen bulbs are expensive but provide more light than traditional bulbs and last much longer. They are good for household lighting needs.
* Projector light bulbs - Wouldn't you know it, there is a specialty light bulb for everything. These bulbs are of course, for use in projectors.
* Tanning bed bulbs - Of course tanning bulbs produce ultraviolet rays to help tan the skin. Most beds need up to 30 tanning bulbs.
* Specialty light bulbs - These include all light bulbs in any category not listed above.
Don't think for a minute however that these choices are the only when it comes to light. There is virtually a light bulb to meet anyone and everyone's needs available on the market today.
Choosing The Right Bulb
If you want a long lasting light for your house, consider the halogen bulb. These bulbs have gained in popularity in recent years. Some people however, prefer fluorescent bulbs. Over time, one can't argue that fluorescent bulbs are more energy efficient than most other bulbs combined. That's why so many offices use them.
Another category mentioned above rapidly gaining popularity are full spectrum light bulbs. These light bulbs are not cheap. However, there are many perks. People often buy these light bulbs to relieve depression, seasonal affective disorder, jet lag and fatigue. Full spectrum light bulbs almost qualify as therapy. In fact, you may even be able to argue with your insurance company to pay for them. (If you can get your doctor to prescribe some full spectrum light for you). These are a good choice if you plan on creating a mini oasis in your home, with light intensity matching that of the sun. Keep in mind however, they are pricey. Many feel the price however, is well worth the investment.
Cheap light bulbs abound however. Cheap light bulbs (the incandescent type) are good for producing an average amount and quality of light. You can buy replacements for these easily and inexpensively. While not durable, they are easy to use and still the most popular choice among consumers today. Let's not forget their many benefits. They are inexpensive, easy to use, run using low voltage, can be battery operated AND come in a variety of shapes, styles and sizes. You really can't beat that when it comes to light bulb value!
So take a moment to review the many bulbs now available on the market. Why not try something new? You may find yourself pleasantly surprised!
About the Author
About The Author:
Antigone Arthur is a successful freelance writer providing consumers with informative articles on such topics as projector light bulbs, specialty light bulbs, and discount light bulbs.
The Eye Witness To Your Getting Creamed
The Eye Witness To Your Getting Creamed
by: Dan Baldyga
Thirty four years ago, in a book I wrote and was published, entitled, How To Settle Your Own Insurance Claim, I stated: “An eye witness can make or break your case. If you’ve been able to keep your wits about you the first thing you should do, immediately after impact has occurred, is to find somebody who observed it. After having spotted such a person, don’t be bashful. Go right over to them and ask if they saw the accident ? If they did, jot down their name, address and telephone number. Should they drive away before you can zero in on them, make note of their motor vehicle’s registration number so you can later obtain their name through the department of motor vehicle office.”
What I wrote, over thirty years ago, remains true today. (As a matter of fact, when it comes to insurance claims, little has changed over he past sixty years)! Companies like Rock Solid Insurance Corporation are still raising rates into the stratosphere while crying in their suds about all the money claims are costing them and those employed by them are still taking advantage of every motor vehicle accident victim they can sink their claws into.
A WITNESS CAN BE CRUCIAL: When you've been smashed into one of the most important sources of help - - when it comes to digging up information and assembling a record of the accident - - is the eye witness to that impact, with their accounts and recollections as to what happened. Try to secure a detailed written statement (or tape recorded or maybe even a video statement) from them. That “witness person” could be a passenger in your own or other vehicles, pedestrians, onlookers and bystanders at the scene of the accident, and/or driver’s of other motor vehicle’s who were not directly involve in the accident.
UTILIZING THE WITNESS: How do you actually go about the task of securing the relevant witnesses, testimonies and cooperation? To begin with, know this: It’s important that you get to a witness first - - before that a fast talking adjuster corners them and uses his expertise to twist the facts. By moving quickly you stand a good chance of getting the witness committed to your account of the events and/or to come down on your side of the case. If they do that’s money in the bank!
You should contact each witness of the accident (identified from the list of persons you compiled at the time of the accident - - or perhaps even discovered in the police report) and talk to them about what they saw, or know, concerning the accident. The ideal procedure is to get them to write out, in detail, what they observed, in their own words. If they’re not willing (or able) to do this, then write their statement yourself (or merely jot down on a pad) what each witness tells you, then have them sign and date it. Try to capture their recollections, impressions and observations of what happened.
Upon completing the interview of each witness, and taking his (or her) statement, ask that individual to read it. When they’re finished have them sign and date it, with their home address and phone number included. (If the statement is more than one page have them initial and date the bottom of each page, then ask them to apply their full and complete signature at the very end.)
You should make a copy of what they signed and send it to them. That’s so they’ll know exactly what they told you - - if, later on down the road, when the adjuster try’s to hustle and con them into stating something differently - - they’ll be able to stick to their guns because they’ll have written proof to show that adjuster exactly what they told you.
LOCATING A MISSING WITNESS: You may be unable to directly contact or locate the whereabouts of a witness whose name, home address or phone number you have obtained. (The witness may have moved). Here are two helpful steps you can take to locate a witness:
1. Send a “Certified” or “Registered” letter to that witness, addressed to his (or her) last known address with the “Return Receipt Requested” plus the “Address Only” box checked off. This way, if you receive back from the post office the return receipt signed by the witness, or executed by the post office, you should find, fully entered therein, the current address of the witness.
2. If you have their full name and address and you’re comfortable surfing through cyber-space there are dozens of ways to locate a person via your computer. Should you not be wise to the ways of the internet find somebody to help you who is.
IN SUMMARY: I spent most of my life investigating motor vehicle accidents. First as I worked my way through college as a Private Investigator, specifically assigned to motor vehicle accidents, next as a Special Investigator in the United States Navy, covering major military motor vehicle accidents in the mid-west, and then, after my naval daze, over thirty years as a Claims Adjuster, Supervisor, Manager and Trial Assistant. I know, from personal experience, a witness to a motor vehicle accident can be invaluable when it comes to making your case. Witnesses may be able to describe things in an accident that confirm what you know happened, thus backing up your side of the story. They may also provide you with information you were not aware of, which indicates how the other operator was at fault. A witness may have heard a verbal remark that someone other than you was at fault. Even a witness, who did not actually see your motor vehicle get crashed into, may have observed you, soon after impact, and confirm the pain and discomfort you were experiencing. A signed statement handed to Adjuster Hard-Nose, taken from somebody who did not know you personally, detailing the suffering you were enduring at the scene, right after you were bashed into, is even more money in the bank!
On that same subject of “Pain and Suffering” the adjuster might try to convince you that what a witness says is less important if what is being stated is coming from a friend or relative. Don’t you believe it! There are hundreds of thousands of motor vehicle insurance accident claims on record that prove this contention to be false. If a friend or relative actually saw the accident and what they observed proves you’re not at fault in any way, shape, manner or form (and/or can detail how much physical discomfort you displayed at the scene after impact) their value as a witness (on either issue) is worth its weight in gold. How much the "Pain and Suffering" you endured is worth can be discovered via THE BASE FORMULA contained within my latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found at either http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com.
Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved
DISCLAIMER: The only purpose of this article THE EYEWITNESS TO YOUR GETTING CREAMED is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ARTICLECITY.Com make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster. or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBILITY to obtain said services.
About The Author
Dan Baldyga
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
http://www.autoaccidentclaims.com
Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accident claims so they won't be taken advantage of: dbpaw@comcast.net.
by: Dan Baldyga
Thirty four years ago, in a book I wrote and was published, entitled, How To Settle Your Own Insurance Claim, I stated: “An eye witness can make or break your case. If you’ve been able to keep your wits about you the first thing you should do, immediately after impact has occurred, is to find somebody who observed it. After having spotted such a person, don’t be bashful. Go right over to them and ask if they saw the accident ? If they did, jot down their name, address and telephone number. Should they drive away before you can zero in on them, make note of their motor vehicle’s registration number so you can later obtain their name through the department of motor vehicle office.”
What I wrote, over thirty years ago, remains true today. (As a matter of fact, when it comes to insurance claims, little has changed over he past sixty years)! Companies like Rock Solid Insurance Corporation are still raising rates into the stratosphere while crying in their suds about all the money claims are costing them and those employed by them are still taking advantage of every motor vehicle accident victim they can sink their claws into.
A WITNESS CAN BE CRUCIAL: When you've been smashed into one of the most important sources of help - - when it comes to digging up information and assembling a record of the accident - - is the eye witness to that impact, with their accounts and recollections as to what happened. Try to secure a detailed written statement (or tape recorded or maybe even a video statement) from them. That “witness person” could be a passenger in your own or other vehicles, pedestrians, onlookers and bystanders at the scene of the accident, and/or driver’s of other motor vehicle’s who were not directly involve in the accident.
UTILIZING THE WITNESS: How do you actually go about the task of securing the relevant witnesses, testimonies and cooperation? To begin with, know this: It’s important that you get to a witness first - - before that a fast talking adjuster corners them and uses his expertise to twist the facts. By moving quickly you stand a good chance of getting the witness committed to your account of the events and/or to come down on your side of the case. If they do that’s money in the bank!
You should contact each witness of the accident (identified from the list of persons you compiled at the time of the accident - - or perhaps even discovered in the police report) and talk to them about what they saw, or know, concerning the accident. The ideal procedure is to get them to write out, in detail, what they observed, in their own words. If they’re not willing (or able) to do this, then write their statement yourself (or merely jot down on a pad) what each witness tells you, then have them sign and date it. Try to capture their recollections, impressions and observations of what happened.
Upon completing the interview of each witness, and taking his (or her) statement, ask that individual to read it. When they’re finished have them sign and date it, with their home address and phone number included. (If the statement is more than one page have them initial and date the bottom of each page, then ask them to apply their full and complete signature at the very end.)
You should make a copy of what they signed and send it to them. That’s so they’ll know exactly what they told you - - if, later on down the road, when the adjuster try’s to hustle and con them into stating something differently - - they’ll be able to stick to their guns because they’ll have written proof to show that adjuster exactly what they told you.
LOCATING A MISSING WITNESS: You may be unable to directly contact or locate the whereabouts of a witness whose name, home address or phone number you have obtained. (The witness may have moved). Here are two helpful steps you can take to locate a witness:
1. Send a “Certified” or “Registered” letter to that witness, addressed to his (or her) last known address with the “Return Receipt Requested” plus the “Address Only” box checked off. This way, if you receive back from the post office the return receipt signed by the witness, or executed by the post office, you should find, fully entered therein, the current address of the witness.
2. If you have their full name and address and you’re comfortable surfing through cyber-space there are dozens of ways to locate a person via your computer. Should you not be wise to the ways of the internet find somebody to help you who is.
IN SUMMARY: I spent most of my life investigating motor vehicle accidents. First as I worked my way through college as a Private Investigator, specifically assigned to motor vehicle accidents, next as a Special Investigator in the United States Navy, covering major military motor vehicle accidents in the mid-west, and then, after my naval daze, over thirty years as a Claims Adjuster, Supervisor, Manager and Trial Assistant. I know, from personal experience, a witness to a motor vehicle accident can be invaluable when it comes to making your case. Witnesses may be able to describe things in an accident that confirm what you know happened, thus backing up your side of the story. They may also provide you with information you were not aware of, which indicates how the other operator was at fault. A witness may have heard a verbal remark that someone other than you was at fault. Even a witness, who did not actually see your motor vehicle get crashed into, may have observed you, soon after impact, and confirm the pain and discomfort you were experiencing. A signed statement handed to Adjuster Hard-Nose, taken from somebody who did not know you personally, detailing the suffering you were enduring at the scene, right after you were bashed into, is even more money in the bank!
On that same subject of “Pain and Suffering” the adjuster might try to convince you that what a witness says is less important if what is being stated is coming from a friend or relative. Don’t you believe it! There are hundreds of thousands of motor vehicle insurance accident claims on record that prove this contention to be false. If a friend or relative actually saw the accident and what they observed proves you’re not at fault in any way, shape, manner or form (and/or can detail how much physical discomfort you displayed at the scene after impact) their value as a witness (on either issue) is worth its weight in gold. How much the "Pain and Suffering" you endured is worth can be discovered via THE BASE FORMULA contained within my latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found at either http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com.
Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved
DISCLAIMER: The only purpose of this article THE EYEWITNESS TO YOUR GETTING CREAMED is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ARTICLECITY.Com make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster. or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBILITY to obtain said services.
About The Author
Dan Baldyga
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
http://www.autoaccidentclaims.com
Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accident claims so they won't be taken advantage of: dbpaw@comcast.net.
The Car Insurance Rate Calculation Explained
The Car Insurance Rate Calculation Explained
by: Andrew Bowen
Different companies will apply different factors to the way they finally arrive at a price for your Car Insurance. Generally speaking though the concept is the same. This involves collecting various bits of information from you and feeding it through a computer system which adds or takes away money depending on the answers you give. The value put on these answers is decided by the individual Car Insurance company. For example, some Car Insurance companies may believe that having a speeding conviction increases your chance of having an accident in the future - therefore they may add money to your price if you have such a conviction. Similarly, some Car Insurance companies may decide that because you have a lot of No Claims Bonus Years then you are less likely to claim - therefore they may discount your price. All in all there are around 30 different factors that may affect your final premium. Now you can see why you get such a difference in the price of your Car Insurance by going to various companies. Each company will have it's own view of what they believe should be assigned to each answer you give. The Car Insurance quote you get through the http://www.acceptdirect.co.uk website will look at lots of different Car Insurance prices from lots of companies. That way you can get the best possible price for your profile.
Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk
About The Author
Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurance to UK customers through their website http://www.acceptdirect.co.uk
by: Andrew Bowen
Different companies will apply different factors to the way they finally arrive at a price for your Car Insurance. Generally speaking though the concept is the same. This involves collecting various bits of information from you and feeding it through a computer system which adds or takes away money depending on the answers you give. The value put on these answers is decided by the individual Car Insurance company. For example, some Car Insurance companies may believe that having a speeding conviction increases your chance of having an accident in the future - therefore they may add money to your price if you have such a conviction. Similarly, some Car Insurance companies may decide that because you have a lot of No Claims Bonus Years then you are less likely to claim - therefore they may discount your price. All in all there are around 30 different factors that may affect your final premium. Now you can see why you get such a difference in the price of your Car Insurance by going to various companies. Each company will have it's own view of what they believe should be assigned to each answer you give. The Car Insurance quote you get through the http://www.acceptdirect.co.uk website will look at lots of different Car Insurance prices from lots of companies. That way you can get the best possible price for your profile.
Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk
About The Author
Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurance to UK customers through their website http://www.acceptdirect.co.uk
The Best OEM Body Kits, Ground Effects to Boost Performance available only at Parts Train
The Best OEM Body Kits, Ground Effects to Boost Performance available only at Parts Train
by: Jenny McLane
Dodge Colt body Kits/ground effects at Parts Train may include front air dam or front lip, side skirts, door panels, rear valance, fascia, bumper cover, bumper cover/air dam, rear skirt, rear spat, rear spoiler and more. Front air dam is also referred to as a front lip. This is an add-on piece to the lower portion of your existing bumper. It does not cover the entire bumper. Side Skirts also Cab Skirts and Bed Skirts are side trim that attaches to the lower body of your vehicle. In some cases, factory cladding may need to be removed for installation.
Door panels for your Dodge Colt have a finished combination of cloth and vinyl or leather. It is the exterior sheet metal on a door or the interior trim piece that covers the metal, to which the armrest, window controls and locking mechanism are attached. As part of your Dodge body kit ensemble, the rear valance is an add-on piece that fully covers your existing bumper. In addition, when you need to retouch your Colt's front or rear fascia there is a thousand and one ways to do it at Parts Train. All you need is your imagination. When you see "Replacement Fascia", it is a replacement for the current front/rear fascia on your vehicle including your bumper.
Parts Train's Bumper Covers can be added to fully cover your Colt's existing front or rear bumper or you can choose bumper cover/air dam, which is a full piece that covers entire bumper and has lower air dam, built in. Rear valance and rear skirts also do the same thing -- fully cover your existing bumper. If you want an additional side skirt that fits behind your Colt's rear fenders then Parts Train's Rear Spat would fit just right. A rear spoiler will not only improve your Colt's aerodynamics, it is going to make it a real stand out.
For the most trusted and most reliable source of superb quality engine parts, electrical body parts and other auto parts, there is no other better car parts online supplier than Parts Train. Its well-stocked array of Dodge premium quality automotive parts and car body parts as well as the finest car accessories and truck accessories is found at http://www.partstrain.com/ShopByVehicle/DODGE. All of these and many other performance parts come in great discount prices that would surely fit you budget.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
by: Jenny McLane
Dodge Colt body Kits/ground effects at Parts Train may include front air dam or front lip, side skirts, door panels, rear valance, fascia, bumper cover, bumper cover/air dam, rear skirt, rear spat, rear spoiler and more. Front air dam is also referred to as a front lip. This is an add-on piece to the lower portion of your existing bumper. It does not cover the entire bumper. Side Skirts also Cab Skirts and Bed Skirts are side trim that attaches to the lower body of your vehicle. In some cases, factory cladding may need to be removed for installation.
Door panels for your Dodge Colt have a finished combination of cloth and vinyl or leather. It is the exterior sheet metal on a door or the interior trim piece that covers the metal, to which the armrest, window controls and locking mechanism are attached. As part of your Dodge body kit ensemble, the rear valance is an add-on piece that fully covers your existing bumper. In addition, when you need to retouch your Colt's front or rear fascia there is a thousand and one ways to do it at Parts Train. All you need is your imagination. When you see "Replacement Fascia", it is a replacement for the current front/rear fascia on your vehicle including your bumper.
Parts Train's Bumper Covers can be added to fully cover your Colt's existing front or rear bumper or you can choose bumper cover/air dam, which is a full piece that covers entire bumper and has lower air dam, built in. Rear valance and rear skirts also do the same thing -- fully cover your existing bumper. If you want an additional side skirt that fits behind your Colt's rear fenders then Parts Train's Rear Spat would fit just right. A rear spoiler will not only improve your Colt's aerodynamics, it is going to make it a real stand out.
For the most trusted and most reliable source of superb quality engine parts, electrical body parts and other auto parts, there is no other better car parts online supplier than Parts Train. Its well-stocked array of Dodge premium quality automotive parts and car body parts as well as the finest car accessories and truck accessories is found at http://www.partstrain.com/ShopByVehicle/DODGE. All of these and many other performance parts come in great discount prices that would surely fit you budget.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
Ten Myths About Synthetic Lubrication
Ten Myths About Synthetic Lubrication
by: Ed Newman
It's a fact of life that behavior is influenced by what people believe, whether true or not. Numerous cases from history bear this out. For example, sailors were once fearful of sailing outside the sight of land lest they would fall off the edge of the world. In the early
19th century, the train was considered dangerous because it was believed that if you moved faster than 25 miles per hour, you’d be traveling too fast to breathe. At a later date, the New York Times warned that electric light would cause blindness. Microwave ovens, automobiles and airplanes have had equally vociferous opponents.
Looking back, it's easy to laugh at some of the things people once held as true. But these people were not stupid. They were misinformed. In many instances they had simply drawn conclusions before all the facts were in. How easy it is to make the same mistake today.
In our own time, synthetic motor oils have been the object of numerous misconceptions held by the general public. Many people, including some mechanics, have been misled by these persistent myths.
PARAMETERS OF THE DEBATE
Synthetic motor oils are fuel efficient, extended life lubricants manufactured from select base stocks and special purpose additives. Synthetic oil base stocks are made from organic compounds or synthetic hydrocarbons using a process that re-arranges the structure so all the molecules are uniform in size, shape and weight, a phenomenon that does not occur in nature. In contrast to petroleum oils which are pumped from the earth and refined, synthetics are custom-designed to produce, in effect, the ideal lubricant.
In responding to the objections most commonly raised against synthetics it is important to establish the parameters of the debate. When speaking of synthetic motor oils, this article is defending the lubricants which have been formulated to meet the performance standards set by the American Petroleum Institute (API). (The first such synthetic motor oil independently tested and confirmed to meet these industry-accepted tests for defining engine oil properties and performance characteristics was AMSOIL 100% Synthetic 10W-40 in 1972.)
Many people with questions about synthetics haven't known where to turn to get correct information. Is it super oil or snake oil? Some enthusiasts will swear that synthetics are capable of raising your car from the dead. On the other hand, the next fellow asserts that synthetics will send your beloved car to an early grave. Where's the truth in all this?
In an effort to set the record straight, we've assembled here ten of the more persistent myths about synthetic motor oils to see how they stack up against the facts.
Myth #1: Synthetic motor oils damage seals.
Untrue. It would be foolhardy for lubricant manufacturers to build a product that is incompatible with seals. The composition of seals presents problems that both petroleum oils and synthetics must overcome. Made from elastomers, seals are inherently difficult to standardize.
Ultimately it is the additive mix in oil that counts. Additives to control seal swell, shrinkage and hardening are required, whether it be a synthetic or petroleum product that is being produced.
Myth #2: Synthetics are too thin to stay in the engine.
Untrue. In order for a lubricant to be classified in any SAE grade (10W-30, 10W-40, etc.) it has to meet certain guidelines with regard to viscosity ("thickness").
For example, it makes no difference whether it's 10W-40 petroleum or 10W-40 synthetic, at -25 degrees centigrade (-13F) and 100 degrees centigrade (212 degrees F) the oil has to maintain a standardized viscosity or it can't be rated a 10W-40.
Myth #3: Synthetics cause cars to use more oil.
Untrue. Synthetic motor oils are intended for use in mechanically sound engines, that is, engines that don't leak. In such engines, oil consumption will actually be reduced. First, because of the lower volatility of synlubes. Second, because of the better sealing characteristics between piston rings and cylinder walls. And finally, because of the superior oxidation stability (i.e. resistance of synthetics against reacting with oxygen at high temperatures.)
Myth #4: Synthetic lubricants are not compatible with petroleum.
Untrue. The synthesized hydrocarbons, polyalphaolefins, diesters and other materials that form the base stocks of high-quality name brand synthetics are fully compatible with petroleum oils. In the old days, some companies used ingredients that were not compatible, causing quality synlubes to suffer a bum rap. Fortunately, those days are long gone.
Compatibility is something to keep in mind, however, whether using petroleum oils or synthetics. It is usually best to use the same oil for topping off that you have been running in the engine. That is, it is preferable to not mix your oils, even if it is Valvoline or Quaker State you are using. The reason is this: the functions of additives blended for specific characteristics can be offset when oils with different additive packages are put together. For optimal performance, it is better to use the same oil throughout.
Myth #5: Synthetic lubricants are not readily available.
Untrue. This may have been the case two decades ago when AMSOIL and Mobil 1 were the only real choices, but today nearly every major oil company has added a synthetic product to their lines. This in itself is a testament to the value synthetics offer.
Myth #6: Synthetic lubricants produce sludge.
Untrue. In point of fact, synthetic motor oils are more sludge resistant than their petroleum counterparts, resisting the effects of high temperature and oxidation. In the presence of high temperatures, two things can happen. First, an oil's lighter ingredients boil off, making the oil thicker. Second, many of the complex chemicals found naturally in petroleum base stocks begin to react with each other, forming sludge, gum and varnish. One result is a loss of fluidity at low temperatures, slowing the timely flow of oil to the engine for vital component protection.
Further negative effects of thickened oil include the restriction of oil flow into critical areas, greater wear and loss of fuel economy.
Because of their higher flash points, and their ability to withstand evaporation loss and oxidation, synthetics are much more resistant to sludge development.
Two other causes of sludge -- ingested dirt and water dilution -- can be a problem in any kind of oil, whether petroleum or synthetic. These are problems with the air filtration system and the cooling system respectively, not the oil.
Myth #7: Synthetics can't be used with catalytic converters or oxygen sensors.
Untrue. There is no difference between synthetic and petroleum oils in regards to these components. Both synthetic and petroleum motor oils are similar compounds and neither is damaging to catalytic converters or oxygen sensors. In fact, because engines tend to run cleaner with synthetics, sensors and emission control systems run more efficiently and with less contamination.
Myth#8: Synthetics void warranties.
Untrue. Major engine manufacturers specifically recommend the use of synthetic lubricants. In point of fact, increasing numbers of high performance cars are arriving on showroom floors with synthetic motor oils as factory fill.
New vehicle warranties are based upon the use of oils meeting specific API Service Classifications (for example, SJ/CF). Synthetic lubricants which meet current API Service requirements are perfectly suited for use in any vehicle without affecting the validity of the new car warranty.
In point of fact, in the twenty-eight years that AMSOIL Synthetic Lubricants have been used in extended service situations, over billions of miles of actual driving, these oils have not been faulted once for voiding an automaker's warranty.
Myth #9: Synthetics last forever.
Untrue. Although some experts feel that synthetic base stocks themselves can be used forever, it is well known that eventually the additives will falter and cause the oil to require changing. Moisture, fuel dillution, and the by-products of combustion (acids and soot) tend to use up additives in an oil, allowing degradation to occur.
However, by "topping off", additives can be replenished. Through good filtration and periodic oil analysis, synthetic engine oils protect an engine for lengths of time far beyond the capability of non-synthetics.
Myth #10: Synthetics are too expensive.
Untrue. Tests and experience have proven that synthetics can greatly extend drain intervals, provide better fuel economy, reduce engine wear and enable vehicles to operate with greater reliability. This more than offsets initial price differences. All these elements combine to make synthetic engine oils more economical than conventional non-synthetics.
In Europe, synthetics have enjoyed increasing acceptance as car buyers look first to performance and long term value rather than initial price. As more sophisticated technology places greater demands on today's motor oils, we will no doubt see an increasing re-evaluation of oil buying habits in this country as well.
CONCLUSIONS
Since their inception, manufacturers of synthetic motor oils have sought to educate the public about the facts regarding synthetics, and the need for consumers to make their lubrication purchasing decisions based on quality rather than price. As was the case with microwave ovens or electric lights, a highly technological improvement must often overcome a fair amount of public skepticism and consumer inertia before it is embraced by the general population.
But the word is getting out as a growing number of motorists worldwide experience the benefits of synthetic lubrication. The wave of the future, in auto lubes, is well under way.
-30-
About The Author
Ed Newman is Marketing Manager for AMSOIL INC., manufacturer of the original synthetic motor oil for automotive applications. He has published more than 200 articles as a freelance writer on a wide range of important topics.
enewman@amsoil.com
by: Ed Newman
It's a fact of life that behavior is influenced by what people believe, whether true or not. Numerous cases from history bear this out. For example, sailors were once fearful of sailing outside the sight of land lest they would fall off the edge of the world. In the early
19th century, the train was considered dangerous because it was believed that if you moved faster than 25 miles per hour, you’d be traveling too fast to breathe. At a later date, the New York Times warned that electric light would cause blindness. Microwave ovens, automobiles and airplanes have had equally vociferous opponents.
Looking back, it's easy to laugh at some of the things people once held as true. But these people were not stupid. They were misinformed. In many instances they had simply drawn conclusions before all the facts were in. How easy it is to make the same mistake today.
In our own time, synthetic motor oils have been the object of numerous misconceptions held by the general public. Many people, including some mechanics, have been misled by these persistent myths.
PARAMETERS OF THE DEBATE
Synthetic motor oils are fuel efficient, extended life lubricants manufactured from select base stocks and special purpose additives. Synthetic oil base stocks are made from organic compounds or synthetic hydrocarbons using a process that re-arranges the structure so all the molecules are uniform in size, shape and weight, a phenomenon that does not occur in nature. In contrast to petroleum oils which are pumped from the earth and refined, synthetics are custom-designed to produce, in effect, the ideal lubricant.
In responding to the objections most commonly raised against synthetics it is important to establish the parameters of the debate. When speaking of synthetic motor oils, this article is defending the lubricants which have been formulated to meet the performance standards set by the American Petroleum Institute (API). (The first such synthetic motor oil independently tested and confirmed to meet these industry-accepted tests for defining engine oil properties and performance characteristics was AMSOIL 100% Synthetic 10W-40 in 1972.)
Many people with questions about synthetics haven't known where to turn to get correct information. Is it super oil or snake oil? Some enthusiasts will swear that synthetics are capable of raising your car from the dead. On the other hand, the next fellow asserts that synthetics will send your beloved car to an early grave. Where's the truth in all this?
In an effort to set the record straight, we've assembled here ten of the more persistent myths about synthetic motor oils to see how they stack up against the facts.
Myth #1: Synthetic motor oils damage seals.
Untrue. It would be foolhardy for lubricant manufacturers to build a product that is incompatible with seals. The composition of seals presents problems that both petroleum oils and synthetics must overcome. Made from elastomers, seals are inherently difficult to standardize.
Ultimately it is the additive mix in oil that counts. Additives to control seal swell, shrinkage and hardening are required, whether it be a synthetic or petroleum product that is being produced.
Myth #2: Synthetics are too thin to stay in the engine.
Untrue. In order for a lubricant to be classified in any SAE grade (10W-30, 10W-40, etc.) it has to meet certain guidelines with regard to viscosity ("thickness").
For example, it makes no difference whether it's 10W-40 petroleum or 10W-40 synthetic, at -25 degrees centigrade (-13F) and 100 degrees centigrade (212 degrees F) the oil has to maintain a standardized viscosity or it can't be rated a 10W-40.
Myth #3: Synthetics cause cars to use more oil.
Untrue. Synthetic motor oils are intended for use in mechanically sound engines, that is, engines that don't leak. In such engines, oil consumption will actually be reduced. First, because of the lower volatility of synlubes. Second, because of the better sealing characteristics between piston rings and cylinder walls. And finally, because of the superior oxidation stability (i.e. resistance of synthetics against reacting with oxygen at high temperatures.)
Myth #4: Synthetic lubricants are not compatible with petroleum.
Untrue. The synthesized hydrocarbons, polyalphaolefins, diesters and other materials that form the base stocks of high-quality name brand synthetics are fully compatible with petroleum oils. In the old days, some companies used ingredients that were not compatible, causing quality synlubes to suffer a bum rap. Fortunately, those days are long gone.
Compatibility is something to keep in mind, however, whether using petroleum oils or synthetics. It is usually best to use the same oil for topping off that you have been running in the engine. That is, it is preferable to not mix your oils, even if it is Valvoline or Quaker State you are using. The reason is this: the functions of additives blended for specific characteristics can be offset when oils with different additive packages are put together. For optimal performance, it is better to use the same oil throughout.
Myth #5: Synthetic lubricants are not readily available.
Untrue. This may have been the case two decades ago when AMSOIL and Mobil 1 were the only real choices, but today nearly every major oil company has added a synthetic product to their lines. This in itself is a testament to the value synthetics offer.
Myth #6: Synthetic lubricants produce sludge.
Untrue. In point of fact, synthetic motor oils are more sludge resistant than their petroleum counterparts, resisting the effects of high temperature and oxidation. In the presence of high temperatures, two things can happen. First, an oil's lighter ingredients boil off, making the oil thicker. Second, many of the complex chemicals found naturally in petroleum base stocks begin to react with each other, forming sludge, gum and varnish. One result is a loss of fluidity at low temperatures, slowing the timely flow of oil to the engine for vital component protection.
Further negative effects of thickened oil include the restriction of oil flow into critical areas, greater wear and loss of fuel economy.
Because of their higher flash points, and their ability to withstand evaporation loss and oxidation, synthetics are much more resistant to sludge development.
Two other causes of sludge -- ingested dirt and water dilution -- can be a problem in any kind of oil, whether petroleum or synthetic. These are problems with the air filtration system and the cooling system respectively, not the oil.
Myth #7: Synthetics can't be used with catalytic converters or oxygen sensors.
Untrue. There is no difference between synthetic and petroleum oils in regards to these components. Both synthetic and petroleum motor oils are similar compounds and neither is damaging to catalytic converters or oxygen sensors. In fact, because engines tend to run cleaner with synthetics, sensors and emission control systems run more efficiently and with less contamination.
Myth#8: Synthetics void warranties.
Untrue. Major engine manufacturers specifically recommend the use of synthetic lubricants. In point of fact, increasing numbers of high performance cars are arriving on showroom floors with synthetic motor oils as factory fill.
New vehicle warranties are based upon the use of oils meeting specific API Service Classifications (for example, SJ/CF). Synthetic lubricants which meet current API Service requirements are perfectly suited for use in any vehicle without affecting the validity of the new car warranty.
In point of fact, in the twenty-eight years that AMSOIL Synthetic Lubricants have been used in extended service situations, over billions of miles of actual driving, these oils have not been faulted once for voiding an automaker's warranty.
Myth #9: Synthetics last forever.
Untrue. Although some experts feel that synthetic base stocks themselves can be used forever, it is well known that eventually the additives will falter and cause the oil to require changing. Moisture, fuel dillution, and the by-products of combustion (acids and soot) tend to use up additives in an oil, allowing degradation to occur.
However, by "topping off", additives can be replenished. Through good filtration and periodic oil analysis, synthetic engine oils protect an engine for lengths of time far beyond the capability of non-synthetics.
Myth #10: Synthetics are too expensive.
Untrue. Tests and experience have proven that synthetics can greatly extend drain intervals, provide better fuel economy, reduce engine wear and enable vehicles to operate with greater reliability. This more than offsets initial price differences. All these elements combine to make synthetic engine oils more economical than conventional non-synthetics.
In Europe, synthetics have enjoyed increasing acceptance as car buyers look first to performance and long term value rather than initial price. As more sophisticated technology places greater demands on today's motor oils, we will no doubt see an increasing re-evaluation of oil buying habits in this country as well.
CONCLUSIONS
Since their inception, manufacturers of synthetic motor oils have sought to educate the public about the facts regarding synthetics, and the need for consumers to make their lubrication purchasing decisions based on quality rather than price. As was the case with microwave ovens or electric lights, a highly technological improvement must often overcome a fair amount of public skepticism and consumer inertia before it is embraced by the general population.
But the word is getting out as a growing number of motorists worldwide experience the benefits of synthetic lubrication. The wave of the future, in auto lubes, is well under way.
-30-
About The Author
Ed Newman is Marketing Manager for AMSOIL INC., manufacturer of the original synthetic motor oil for automotive applications. He has published more than 200 articles as a freelance writer on a wide range of important topics.
enewman@amsoil.com
Taking the Guesswork Out of Finding a Good Auto Technician
Taking the Guesswork Out of Finding a Good Auto Technician
by: ARA Content
(ARA) - Finding a competent auto technician need not be a matter of chance. Much of the guesswork has been eliminated, thanks to the national program conducted by the non-profit National Institute for Automotive Service Excellence (ASE).
ASE tests and certifies automotive professionals in all major technical areas of repair and service. With more than 430,000 currently certified professionals, the ASE program has industry-wide acceptance and recognition. ASE-certified technicians and parts specialists can be found across the nation at every type of repair facility, from dealerships, service stations and franchises to parts stores, independent garages and even municipal fleets.
Certification Benefits Motorists
ASE certifies the technical competence of individual technicians, not repair facilities. Before taking ASE certification tests, many technicians attend training classes or study on their own to brush up on technical information. By passing difficult, national tests, ASE-certified technicians prove their technical competence to themselves, to their employers and to their customers.
What's more, because the ASE program is primarily voluntary, ASE-certification becomes a self-selecting credential that weeds out those who may be incompetent. And while ASE does not certify repair shops or police individual business practices, it stands to reason that those shop owners and managers who support their service employees' efforts to become technically certified will be concerned about other aspects of their business as well.
How Certification Works
About 100,000 technicians take ASE tests each May and November at more than 700 locations. Technicians who pass at least one exam and fulfill the two-year work experience requirement become ASE-certified. Those who pass a battery of exams and fulfill the experience requirement earn Master Technician status.
The tests, developed by industry experts with oversight from ASE's in-house pros, are administered by ACT, the same group known for its college entrance exams.
There are specialty exams covering all major areas of repair. There are eight tests for auto technicians alone: engine repair, engine performance, electrical/electronic systems, brakes, heating and air conditioning, suspension and steering, manual drive train and axles, and automatic transmissions. (There are also exams for collision repair technicians, damage estimators, parts specialists and others.)
ASE certification is not for life. ASE requires technicians to re-test every five years to keep up with technology and to remain certified. All ASE credentials have expiration dates.
Finding ASE-Certified Technicians
Repair establishments with at least one ASE technician are permitted to display the ASE sign. Each ASE professional is issued personalized credentials listing his or her exact area(s) of certification and appropriate shoulder insignia. Technicians also are issued certificates that employers often post in the customer-service area. And employers often display the blue and white ASE sign as well.
Businesses with a high level of commitment to the ASE program (75 percent of service personnel certified) are entitled to a special "Blue Seal of Excellence" recognition from ASE. These elite facilities are among the best in the nation. More than 1,500 businesses participate in this growing program.
Choosing the Right Technician
As with other professionals, such as physicians, automotive technicians often specialize. So it's wise to ask the shop owner or service manager for a technician who is certified in the appropriate area, for example, brakes, engine repair or air conditioning.
For More Information
For a free brochure with information about the ASE program, send a self-addressed, stamped long envelope to: ASE Consumer Brochure, Dept. ARA-3, 101 Blue Seal Dr., S.E., Suite 101, Leesburg, Va., 20175, or visit www.asecert.org for more information.
About The Author
Courtesy of ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
by: ARA Content
(ARA) - Finding a competent auto technician need not be a matter of chance. Much of the guesswork has been eliminated, thanks to the national program conducted by the non-profit National Institute for Automotive Service Excellence (ASE).
ASE tests and certifies automotive professionals in all major technical areas of repair and service. With more than 430,000 currently certified professionals, the ASE program has industry-wide acceptance and recognition. ASE-certified technicians and parts specialists can be found across the nation at every type of repair facility, from dealerships, service stations and franchises to parts stores, independent garages and even municipal fleets.
Certification Benefits Motorists
ASE certifies the technical competence of individual technicians, not repair facilities. Before taking ASE certification tests, many technicians attend training classes or study on their own to brush up on technical information. By passing difficult, national tests, ASE-certified technicians prove their technical competence to themselves, to their employers and to their customers.
What's more, because the ASE program is primarily voluntary, ASE-certification becomes a self-selecting credential that weeds out those who may be incompetent. And while ASE does not certify repair shops or police individual business practices, it stands to reason that those shop owners and managers who support their service employees' efforts to become technically certified will be concerned about other aspects of their business as well.
How Certification Works
About 100,000 technicians take ASE tests each May and November at more than 700 locations. Technicians who pass at least one exam and fulfill the two-year work experience requirement become ASE-certified. Those who pass a battery of exams and fulfill the experience requirement earn Master Technician status.
The tests, developed by industry experts with oversight from ASE's in-house pros, are administered by ACT, the same group known for its college entrance exams.
There are specialty exams covering all major areas of repair. There are eight tests for auto technicians alone: engine repair, engine performance, electrical/electronic systems, brakes, heating and air conditioning, suspension and steering, manual drive train and axles, and automatic transmissions. (There are also exams for collision repair technicians, damage estimators, parts specialists and others.)
ASE certification is not for life. ASE requires technicians to re-test every five years to keep up with technology and to remain certified. All ASE credentials have expiration dates.
Finding ASE-Certified Technicians
Repair establishments with at least one ASE technician are permitted to display the ASE sign. Each ASE professional is issued personalized credentials listing his or her exact area(s) of certification and appropriate shoulder insignia. Technicians also are issued certificates that employers often post in the customer-service area. And employers often display the blue and white ASE sign as well.
Businesses with a high level of commitment to the ASE program (75 percent of service personnel certified) are entitled to a special "Blue Seal of Excellence" recognition from ASE. These elite facilities are among the best in the nation. More than 1,500 businesses participate in this growing program.
Choosing the Right Technician
As with other professionals, such as physicians, automotive technicians often specialize. So it's wise to ask the shop owner or service manager for a technician who is certified in the appropriate area, for example, brakes, engine repair or air conditioning.
For More Information
For a free brochure with information about the ASE program, send a self-addressed, stamped long envelope to: ASE Consumer Brochure, Dept. ARA-3, 101 Blue Seal Dr., S.E., Suite 101, Leesburg, Va., 20175, or visit www.asecert.org for more information.
About The Author
Courtesy of ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
Synthetics Best For Winter Stress
Synthetics Best For Winter Stress
by: News Canada
(NC)—You're sound asleep. Absolutely dead to the world. Suddenly, a huge person bursts in, drags you out of bed, throws you out the window into a snow bank and screams at you to start doing push-ups. Right now, faster, faster, faster! So how do you feel. A bit stressed, maybe.
Well, that's how your car engine feels every time you turn the key. Because starting your engine from cold is just like the story above. Really stressful. And the colder it is outside, the more stressful the start-up and warm-up period are.
This is one reason why synthetic motor oils are so popular in cold climates. Because synthetic oils are much more "pumpable". This means they flow better at low temperatures and circulate quickly when you start-up, even in sub-zero conditions. Some other advantages of synthetics are faster "cranking" speed when starting, and better fuel mileage.
Canada's top selling synthetic is Castrol Syntec, which contains an exclusive chemical that is attracted to metal, forming a bond with the components. The result is a protective layer called a "carpet", that cushions metal parts and reduces stress during the critical start-up period. For a small premium, oils like Syntec are a wise choice.
A wealth of interesting and valuable information on motor oils and lubricants can be found at www.castrolcanada.com or other well known petroleum web sites.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
(NC)—You're sound asleep. Absolutely dead to the world. Suddenly, a huge person bursts in, drags you out of bed, throws you out the window into a snow bank and screams at you to start doing push-ups. Right now, faster, faster, faster! So how do you feel. A bit stressed, maybe.
Well, that's how your car engine feels every time you turn the key. Because starting your engine from cold is just like the story above. Really stressful. And the colder it is outside, the more stressful the start-up and warm-up period are.
This is one reason why synthetic motor oils are so popular in cold climates. Because synthetic oils are much more "pumpable". This means they flow better at low temperatures and circulate quickly when you start-up, even in sub-zero conditions. Some other advantages of synthetics are faster "cranking" speed when starting, and better fuel mileage.
Canada's top selling synthetic is Castrol Syntec, which contains an exclusive chemical that is attracted to metal, forming a bond with the components. The result is a protective layer called a "carpet", that cushions metal parts and reduces stress during the critical start-up period. For a small premium, oils like Syntec are a wise choice.
A wealth of interesting and valuable information on motor oils and lubricants can be found at www.castrolcanada.com or other well known petroleum web sites.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Steps to Buying a Used Car With Confidence
Steps to Buying a Used Car With Confidence
by: ARA Content
(ARA) - Industry statistics show that almost three times as many people buy used cars as buy new.
To help consumers make informed decisions in the process, the experts at CarMax, America's leading used car retailer, have put together a basic list of the things to check when buying a used car.
1. Check the vehicle's safety features.
Consider a vehicle with air bags and anti-lock brakes. Not only will they make a car safer, but insurance companies sometimes give discounts on their rates for cars with these features.
2. Inspect the mileage.
Mileage is a good indicator of the vehicle's age, and the average consumer will drive from 12,000 miles to 15,000 miles each year. A late model used car may be more cost-effective and come with many features you may not be able to afford in a new car.
3. Check the mechanical condition of the vehicle.
If you don't feel comfortable doing it yourself, have a mechanic you trust check it for you. Fluids, lights, belts, power steering, the charging system, the air conditioner, the engine cooling system, the brakes and the suspension should all be carefully inspected for any defects and wear. And don't forget to test drive the car.
4. Examine the tires.
Uneven tread wear can be a sign that the car may need an alignment, or that it has damage to its suspension. Make sure the spare tire is in working condition with no damage or excessive wear.
5. Watch for frame damage.
Seriously damaged cars may be repaired, re-titled and sold in some cases, masking a vehicle that may not be structurally sound. When looking at a used car, check for:
-- rust around the fenders and bumpers, around lights, under doors and in wheel wells
-- cracks, dents and mismatched body panels
Cars that have been previously damaged may be more likely to have mechanical problems, and do not withstand accidents as well as cars that are structurally sound.
6. Check for cosmetic problems.
Common signs of wear and tear in used cars include cigarette burns, dirty upholstery, smoke stains, and paint scratches and chips.
7. Carefully read and understand the terms of any warranty offered on the car.
Don't hesitate to ask questions of your salesperson, and be wary of hidden conditions and exclusions that may be in the fine print. A reputable dealer will answer your questions completely and explain the details of the warranty.
8. Check the price.
The actual price of the car is only one of many factors that will determine your total price. Don't forget to compare financing rates, warranty costs, trade-in values and processing fees. The different features on the vehicle can also make a price difference. For example, a car with an automatic transmission is usually going to be slightly higher in price than the same car with a manual transmission. Research the vehicle you are considering, and find out what comparable prices are for similar vehicles in your area.
9. Look for a reputable dealership.
Ask around, and talk to previous customers of the dealer to find out what their experiences were like. A good dealer is more likely to be fair and up-front in price, value and condition of its vehicles, and won't pressure you to buy a vehicle you don't want. Hassles should never be part of buying a used car. Be prepared, and know what you're looking for.
About The Author
Courtesy ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
EDITOR'S NOTE: CarMax, the Auto Superstore, first opened its doors in 1993 in Richmond, Va. Based on input from thousands of consumers, it was designed to provide a convenient, hassle-free way to buy high quality used cars at low, no-haggle prices. Today, CarMax has locations in more than 20 major cities across the country, with both used-car superstores and new-car franchises throughout the United States. CarMax is also online at carmax.com.
by: ARA Content
(ARA) - Industry statistics show that almost three times as many people buy used cars as buy new.
To help consumers make informed decisions in the process, the experts at CarMax, America's leading used car retailer, have put together a basic list of the things to check when buying a used car.
1. Check the vehicle's safety features.
Consider a vehicle with air bags and anti-lock brakes. Not only will they make a car safer, but insurance companies sometimes give discounts on their rates for cars with these features.
2. Inspect the mileage.
Mileage is a good indicator of the vehicle's age, and the average consumer will drive from 12,000 miles to 15,000 miles each year. A late model used car may be more cost-effective and come with many features you may not be able to afford in a new car.
3. Check the mechanical condition of the vehicle.
If you don't feel comfortable doing it yourself, have a mechanic you trust check it for you. Fluids, lights, belts, power steering, the charging system, the air conditioner, the engine cooling system, the brakes and the suspension should all be carefully inspected for any defects and wear. And don't forget to test drive the car.
4. Examine the tires.
Uneven tread wear can be a sign that the car may need an alignment, or that it has damage to its suspension. Make sure the spare tire is in working condition with no damage or excessive wear.
5. Watch for frame damage.
Seriously damaged cars may be repaired, re-titled and sold in some cases, masking a vehicle that may not be structurally sound. When looking at a used car, check for:
-- rust around the fenders and bumpers, around lights, under doors and in wheel wells
-- cracks, dents and mismatched body panels
Cars that have been previously damaged may be more likely to have mechanical problems, and do not withstand accidents as well as cars that are structurally sound.
6. Check for cosmetic problems.
Common signs of wear and tear in used cars include cigarette burns, dirty upholstery, smoke stains, and paint scratches and chips.
7. Carefully read and understand the terms of any warranty offered on the car.
Don't hesitate to ask questions of your salesperson, and be wary of hidden conditions and exclusions that may be in the fine print. A reputable dealer will answer your questions completely and explain the details of the warranty.
8. Check the price.
The actual price of the car is only one of many factors that will determine your total price. Don't forget to compare financing rates, warranty costs, trade-in values and processing fees. The different features on the vehicle can also make a price difference. For example, a car with an automatic transmission is usually going to be slightly higher in price than the same car with a manual transmission. Research the vehicle you are considering, and find out what comparable prices are for similar vehicles in your area.
9. Look for a reputable dealership.
Ask around, and talk to previous customers of the dealer to find out what their experiences were like. A good dealer is more likely to be fair and up-front in price, value and condition of its vehicles, and won't pressure you to buy a vehicle you don't want. Hassles should never be part of buying a used car. Be prepared, and know what you're looking for.
About The Author
Courtesy ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
EDITOR'S NOTE: CarMax, the Auto Superstore, first opened its doors in 1993 in Richmond, Va. Based on input from thousands of consumers, it was designed to provide a convenient, hassle-free way to buy high quality used cars at low, no-haggle prices. Today, CarMax has locations in more than 20 major cities across the country, with both used-car superstores and new-car franchises throughout the United States. CarMax is also online at carmax.com.
So You are Shopping For A Car
So You are Shopping For A Car
by: ARA Content
Whether you buy or lease, save money on the deal with tips from IHateFinancialPlanning.com
(ARA) - For many Americans, a car is the second largest purchase they make. Advertisers devote millions of dollars to convince us that we deserve to own the hottest set of wheels. The same people who used to yell, "I want my MTV!" are now shouting, "I want my SUV!"
But step inside a dealership, and confident car shoppers are like deer in headlights when confronted by aggressive sales people, confusing financing decisions and a fear of buying more than they can afford.
IHateFinancialPlanning.com, the Web site for the three out of four Americans who hate financial planning, can help sort out the financial aspects of buying and leasing cars. While you crave an SUV, you may discover that the cost of insuring it and filling its huge gas tank will blow your budget off the road.
IHFP offers the following tips to make sure you don't get caught in the headlights:
Get Your Records Straight
One of the first steps in financing a car is to get a grip on your credit rating. Unless you intend to pay with cash, you will have no secrets from the car dealership, finance company or auto insurer. A poor credit history can result in a higher interest rate or even loan disqualification. Also, bad marks on your credit could flag you as an insurance risk, translating into higher premiums.
"There are numerous resources available to help you understand and manage car financing," says Suzanne Hunstad, of IHateFinancialPlanning.com. "Armed with knowledge, you can determine if your loan will be approved, and at what interest rate, and also catch any glitches that could be making your credit history look worse than it is." Hunstad suggests contacting the major credit reporting agencies to obtain your credit report and taking steps to clean it up if necessary.
Cut Your Premiums Down To Size
Before you buy a car, find out what it will cost to insure it. Get car insurance quotes and calculate your insurance needs on the Internet. Each state has different requirements when it comes to auto insurance, and we'll leave it up to you to learn what your state requires. But every state has some sort of financial responsibility law that says you need to take care of any accidents you might have.
To Buy Or Lease, That Is The Question
When you lease, you're paying to use a car. Your payments cover the cost of the vehicle's depreciation while you drive it, rather than its purchase price. If driving a new car is more important to your lifestyle than owning one, leasing is definitely for you. However, if you put a lot of miles on a car every year, it may end up being smarter for you to buy. Consider your personal expectations and financial situation when reviewing the pros and cons of each:
Buying Offers:
* A chance to trade in that old clunker.
* Ownership and equity in the car.
* Control of your wheels. If you want to add eight speakers or take out the backseat, go ahead.
* No penalties if you don't hold up your end of the maintenance agreement, although you will want to service your car to enhance both its service to you and your ability to sell it in the future.
* No mileage limits.
* Payments based on the value of the car, not its depreciation. That may mean higher monthly payments than with a lease.
Leasing Offers:
* A cost-effective alternative to buying a car every few years.
* An affordable way to drive a car that you may not be able to afford to buy. Monthly lease payments are generally less than financing payments.
* A maintenance contract that requires you to keep the car in good shape and not make any alterations to it.
* A factory warranty that almost always covers the car for your entire lease, so major maintenance isn't your financial responsibility.
* Annual mileage limits (about 12,000 to 15,000) with significant penalties if you put more miles on it than the lease stipulates.
* Payments that may be income tax deductible if you're leasing the car for business. Ask a tax advisor for details.
* Penalties if you terminate the lease earlier than agreed. Charges vary.
Financing Is The Next Step
Whether you buy or lease, be prepared to walk away from the deal if you aren't convinced you're being offered a fair price. Do some homework before you walk in -- car salespeople are amateur psychologists who'll get inside your head if you let them, all in the name of making a buck.
"If they see you drool over a leather interior or if you don't know the Kelley Blue Book value of your trade, they've got you right where they want you," Hunstad says. The Internet is a good resource for your research. Use Edmunds.com to comparison-shop and find each model's true market value, i.e. the price of the car in your area. It's usually a different number than either the invoice price (what the dealer paid) or the sticker price (what the dealer wants you to pay).
Once you've got those numbers down, try IHateFinancialPlanning.com's loan calculator to help you compare interest rates, monthly payments and overall purchase price. Don't get emotionally attached to your car salesperson or the loan officer at the car store. Keep this a business decision. Shop for the best interest rate at your local bank or credit union, or use online banking to comparison shop.
About The Author
Courtesy of ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
EDITOR'S NOTE: For More Information, contact Maclaren Latta, Carmichael Lynch Spong, (612) 375-8570, mlatta@clynch.com.
About IHateFinancialPlanning.com
IHateFinancialPlanning.com is a Web site that's already helped more than 2.3 million people who hate financial planning make sense of their personal finances through fun, friendly, easy-to-understand content and financial planning tools. The Web site was developed by ReliaStar Financial Corp., a member of the ING Group.
About ING Group
ING Group is a global financial institution active in the fields of insurance, banking and asset management, with more than 100,000 employees in 65 countries. ING provides a full range of integrated financial services for its clients through a variety of distribution channels. In the United States, ING's product and service portfolio includes banking, fixed and variable annuities, investment management, life insurance, mutual funds, personal finance education seminars, and trust services. For employers, ING businesses also offer a full range of retirement and other worksite benefits, including group insurance products. For more information, visit www.ing-usa.com.
Securities available through PrimeVest Financial Services, Inc., Member NASD/SIPC. Carmichael Lynch Spong is not affiliated with PrimeVest Financial Services, INC. and is not a member of the ING Group.
by: ARA Content
Whether you buy or lease, save money on the deal with tips from IHateFinancialPlanning.com
(ARA) - For many Americans, a car is the second largest purchase they make. Advertisers devote millions of dollars to convince us that we deserve to own the hottest set of wheels. The same people who used to yell, "I want my MTV!" are now shouting, "I want my SUV!"
But step inside a dealership, and confident car shoppers are like deer in headlights when confronted by aggressive sales people, confusing financing decisions and a fear of buying more than they can afford.
IHateFinancialPlanning.com, the Web site for the three out of four Americans who hate financial planning, can help sort out the financial aspects of buying and leasing cars. While you crave an SUV, you may discover that the cost of insuring it and filling its huge gas tank will blow your budget off the road.
IHFP offers the following tips to make sure you don't get caught in the headlights:
Get Your Records Straight
One of the first steps in financing a car is to get a grip on your credit rating. Unless you intend to pay with cash, you will have no secrets from the car dealership, finance company or auto insurer. A poor credit history can result in a higher interest rate or even loan disqualification. Also, bad marks on your credit could flag you as an insurance risk, translating into higher premiums.
"There are numerous resources available to help you understand and manage car financing," says Suzanne Hunstad, of IHateFinancialPlanning.com. "Armed with knowledge, you can determine if your loan will be approved, and at what interest rate, and also catch any glitches that could be making your credit history look worse than it is." Hunstad suggests contacting the major credit reporting agencies to obtain your credit report and taking steps to clean it up if necessary.
Cut Your Premiums Down To Size
Before you buy a car, find out what it will cost to insure it. Get car insurance quotes and calculate your insurance needs on the Internet. Each state has different requirements when it comes to auto insurance, and we'll leave it up to you to learn what your state requires. But every state has some sort of financial responsibility law that says you need to take care of any accidents you might have.
To Buy Or Lease, That Is The Question
When you lease, you're paying to use a car. Your payments cover the cost of the vehicle's depreciation while you drive it, rather than its purchase price. If driving a new car is more important to your lifestyle than owning one, leasing is definitely for you. However, if you put a lot of miles on a car every year, it may end up being smarter for you to buy. Consider your personal expectations and financial situation when reviewing the pros and cons of each:
Buying Offers:
* A chance to trade in that old clunker.
* Ownership and equity in the car.
* Control of your wheels. If you want to add eight speakers or take out the backseat, go ahead.
* No penalties if you don't hold up your end of the maintenance agreement, although you will want to service your car to enhance both its service to you and your ability to sell it in the future.
* No mileage limits.
* Payments based on the value of the car, not its depreciation. That may mean higher monthly payments than with a lease.
Leasing Offers:
* A cost-effective alternative to buying a car every few years.
* An affordable way to drive a car that you may not be able to afford to buy. Monthly lease payments are generally less than financing payments.
* A maintenance contract that requires you to keep the car in good shape and not make any alterations to it.
* A factory warranty that almost always covers the car for your entire lease, so major maintenance isn't your financial responsibility.
* Annual mileage limits (about 12,000 to 15,000) with significant penalties if you put more miles on it than the lease stipulates.
* Payments that may be income tax deductible if you're leasing the car for business. Ask a tax advisor for details.
* Penalties if you terminate the lease earlier than agreed. Charges vary.
Financing Is The Next Step
Whether you buy or lease, be prepared to walk away from the deal if you aren't convinced you're being offered a fair price. Do some homework before you walk in -- car salespeople are amateur psychologists who'll get inside your head if you let them, all in the name of making a buck.
"If they see you drool over a leather interior or if you don't know the Kelley Blue Book value of your trade, they've got you right where they want you," Hunstad says. The Internet is a good resource for your research. Use Edmunds.com to comparison-shop and find each model's true market value, i.e. the price of the car in your area. It's usually a different number than either the invoice price (what the dealer paid) or the sticker price (what the dealer wants you to pay).
Once you've got those numbers down, try IHateFinancialPlanning.com's loan calculator to help you compare interest rates, monthly payments and overall purchase price. Don't get emotionally attached to your car salesperson or the loan officer at the car store. Keep this a business decision. Shop for the best interest rate at your local bank or credit union, or use online banking to comparison shop.
About The Author
Courtesy of ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
EDITOR'S NOTE: For More Information, contact Maclaren Latta, Carmichael Lynch Spong, (612) 375-8570, mlatta@clynch.com.
About IHateFinancialPlanning.com
IHateFinancialPlanning.com is a Web site that's already helped more than 2.3 million people who hate financial planning make sense of their personal finances through fun, friendly, easy-to-understand content and financial planning tools. The Web site was developed by ReliaStar Financial Corp., a member of the ING Group.
About ING Group
ING Group is a global financial institution active in the fields of insurance, banking and asset management, with more than 100,000 employees in 65 countries. ING provides a full range of integrated financial services for its clients through a variety of distribution channels. In the United States, ING's product and service portfolio includes banking, fixed and variable annuities, investment management, life insurance, mutual funds, personal finance education seminars, and trust services. For employers, ING businesses also offer a full range of retirement and other worksite benefits, including group insurance products. For more information, visit www.ing-usa.com.
Securities available through PrimeVest Financial Services, Inc., Member NASD/SIPC. Carmichael Lynch Spong is not affiliated with PrimeVest Financial Services, INC. and is not a member of the ING Group.
Six Crucial Insurance Claim Possibilities
Six Crucial Insurance Claim Possibilities
by: Dan Baldyga
There are DOZENS of insurance claim possibilities which will increase the dollars awarded you in the settlement of your personal injury insurance claim. Some of them rarely see the light of day but some do. The six I’ve listed below are crucial for you to be aware of as you prepare to go to war with Adjuster Henry Hard-Nose regarding the value of your loss. They are:
(1) EMOTIONAL REACTIONS TO YOUR INJURY: When it comes to placing a dollar value on the “Emotional Reaction” of an injury one enters into an area where most individuals, even experienced claims adjuster’s and Legal Beagles, are at a loss.
Four often ignored “Characteristic Symptoms” can be: Confusion, Anxiety, Depression and Denial. (“Denial”, that is, regarding the seriousness of your injury and the constant pain you feel. This usually comes to pass when one refuses to complain anything is seriously wrong, convincing themselves it will work itself out).
If any of the above “Emotional Reactions” (which are a direct result of “Characteristic Symptoms“) becomes a reality it would be wise for you to see a shrink. Maybe you won’t immediately identify this as something you need to have checked out but the person you climb into bed with probably will. When she tells you you‘re not functioning (between your ears) all that well, listen up! If that’s what you’re told you should swallow hard and obtain an expert’s opinion. You may consider yourself a muscular "Power To Be Reckoned With" but you’re not Superman so, talk to a specialist, explain what’s happening, and let it all hang out.
Once you’ve been discharged, get that specialist’s written Medical Report and hand it to Hard-Nose, along with the medical bills for your treatment. Is that legit? The answer is absolutely, yes! Can he refuse to accept them and suggest they add no value to your claim? The answer is absolutely, no!
(2) EMOTIONAL DISTRESS: Emotional distress is legitimate "Pain and Suffering" and you should be compensated for it. For example, problems that may develop over the effects of an accident within the area of your work or business, or perhaps interfere with your sex life! Whatever it is that’s causing you problems you should see a specialist. Keep going back to see him for as long as it takes to return to normal. At the end of his treatment, when he's finally discharged you, ask for and obtain his written report. Present that to Adjuster Henry Hard-Nose along with the specialist’s bill for their services.
This is a legitimate expense and it positively gives your personal injury more value !
(3) SECURING COMPENSATION FOR LIFE DISRUPTIONS: If your injuries caused you to miss some special training you had arranged to take advantage of, you'll probably, at some point, want to make that time up. The difficulty you may experience in making up that missed time (or perhaps never again being able to obtain it) has the potential to increase the value of your settlement. To achieve this you must obtain written proof and present it to Adjuster Hard-Nose.
Also to be taken into consideration is a vacation you may have been unable to take, or some recreational event’s in which you could not participate in and/or a missed special event, like a wedding or a reunion, etc. All of these, properly documented, add value to your claim because they are specific examples of the inconvenience and discomfort you've endured as a direct result of your injury.
(4) YOUR AGE: In the evaluation of an individuals "Pain and Suffering", age is always a factor because the older you are the longer the periods of Total or Partial Disability will be. This will affect the course of treatment plus the length of time of the "pain killers" you’ve been ordered to take. For example: Over age 50 disability is about 10% to 15% longer, over age 60 disability is about 20% to 30% longer, over 70 disability can be 35% to 45% longer and over 75 disability can often be 50% and longer.
(5) PRE-EXISTING MEDICAL PROBLEMS: Also pre-existing conditions are factor’s that must be considered: For example: Arthritis, Sugar Diabetes, Pervious Injuries and/or Previous Operations that have left you with on-going problems, etc.
Whatever that pre-existing situation may be you should look to your attending physician for advice. Don't avoid discussing this with him. If any doubt exists you should insist your doctor refer you to a specialist for consultation. If your physician is legit he'll agree. If he doesn't than kiss that goodie-two-shoes "goodbye" and go dig up a specialist on your own. It's your body and there's only one to a customer!
(6) ONE THING YOU SHOULD NEVER FORGET IS THAT THE VISIBLE DAMAGES TO YOUR MOTOR VEHICLE CAN VERY OFTEN PROFOUNDLY AFFECT THE AMOUNT OF MONEY YOU'RE EVENTUALLY PAID.
If your vehicle was badly smashed, that goes a long way proving that your injuries were sever and therefore painful. You must snap photographs of your motor vehicle. Shoot a couple rolls of colored and also black and white (black and white because in some instances colored photographs cannot be entered as evidence in a court of law).Take them from different angles and various distances. Like for example, 30 feet away, then 15, then right up close.
Make two sets. One for you and one for Hard-Nose. Blow them up into 8X10 glossies and present them to him. Both the size of your repair bill and those photographs will go a long way towards proving two important points: First, that you know what you're doing and second, that the injuries you received from that god-awful impact (and the long period of pain, suffering and discomfort you‘ve had to deal with) - - if and when viewed by a judge or jury - - are proof positive of what your injury caused your body to endure.
DISCLAIMER: The only purpose of this article SIX CRUCIAL INSURANCE CLAIM POSSIBILITIES, is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ARTICLE CITY make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.
Dan Baldyga's third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com . This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury.
Copyright (c) 2003 Daniel G. Baldyga. All Rights Reserved
Dan Baldyga - Author
19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733-0127 FAX: (413) 731-8358
Mail to: dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found On Internet At: http://www.autoaccidentclaims.com
Or: http://www.caraccidentclaims.com
About The Author
For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistaant. He is now retired and spends his time attempting those involved in motor vehicle accident claims so they will not be take advantage of.
dbpaw@comcast.net
by: Dan Baldyga
There are DOZENS of insurance claim possibilities which will increase the dollars awarded you in the settlement of your personal injury insurance claim. Some of them rarely see the light of day but some do. The six I’ve listed below are crucial for you to be aware of as you prepare to go to war with Adjuster Henry Hard-Nose regarding the value of your loss. They are:
(1) EMOTIONAL REACTIONS TO YOUR INJURY: When it comes to placing a dollar value on the “Emotional Reaction” of an injury one enters into an area where most individuals, even experienced claims adjuster’s and Legal Beagles, are at a loss.
Four often ignored “Characteristic Symptoms” can be: Confusion, Anxiety, Depression and Denial. (“Denial”, that is, regarding the seriousness of your injury and the constant pain you feel. This usually comes to pass when one refuses to complain anything is seriously wrong, convincing themselves it will work itself out).
If any of the above “Emotional Reactions” (which are a direct result of “Characteristic Symptoms“) becomes a reality it would be wise for you to see a shrink. Maybe you won’t immediately identify this as something you need to have checked out but the person you climb into bed with probably will. When she tells you you‘re not functioning (between your ears) all that well, listen up! If that’s what you’re told you should swallow hard and obtain an expert’s opinion. You may consider yourself a muscular "Power To Be Reckoned With" but you’re not Superman so, talk to a specialist, explain what’s happening, and let it all hang out.
Once you’ve been discharged, get that specialist’s written Medical Report and hand it to Hard-Nose, along with the medical bills for your treatment. Is that legit? The answer is absolutely, yes! Can he refuse to accept them and suggest they add no value to your claim? The answer is absolutely, no!
(2) EMOTIONAL DISTRESS: Emotional distress is legitimate "Pain and Suffering" and you should be compensated for it. For example, problems that may develop over the effects of an accident within the area of your work or business, or perhaps interfere with your sex life! Whatever it is that’s causing you problems you should see a specialist. Keep going back to see him for as long as it takes to return to normal. At the end of his treatment, when he's finally discharged you, ask for and obtain his written report. Present that to Adjuster Henry Hard-Nose along with the specialist’s bill for their services.
This is a legitimate expense and it positively gives your personal injury more value !
(3) SECURING COMPENSATION FOR LIFE DISRUPTIONS: If your injuries caused you to miss some special training you had arranged to take advantage of, you'll probably, at some point, want to make that time up. The difficulty you may experience in making up that missed time (or perhaps never again being able to obtain it) has the potential to increase the value of your settlement. To achieve this you must obtain written proof and present it to Adjuster Hard-Nose.
Also to be taken into consideration is a vacation you may have been unable to take, or some recreational event’s in which you could not participate in and/or a missed special event, like a wedding or a reunion, etc. All of these, properly documented, add value to your claim because they are specific examples of the inconvenience and discomfort you've endured as a direct result of your injury.
(4) YOUR AGE: In the evaluation of an individuals "Pain and Suffering", age is always a factor because the older you are the longer the periods of Total or Partial Disability will be. This will affect the course of treatment plus the length of time of the "pain killers" you’ve been ordered to take. For example: Over age 50 disability is about 10% to 15% longer, over age 60 disability is about 20% to 30% longer, over 70 disability can be 35% to 45% longer and over 75 disability can often be 50% and longer.
(5) PRE-EXISTING MEDICAL PROBLEMS: Also pre-existing conditions are factor’s that must be considered: For example: Arthritis, Sugar Diabetes, Pervious Injuries and/or Previous Operations that have left you with on-going problems, etc.
Whatever that pre-existing situation may be you should look to your attending physician for advice. Don't avoid discussing this with him. If any doubt exists you should insist your doctor refer you to a specialist for consultation. If your physician is legit he'll agree. If he doesn't than kiss that goodie-two-shoes "goodbye" and go dig up a specialist on your own. It's your body and there's only one to a customer!
(6) ONE THING YOU SHOULD NEVER FORGET IS THAT THE VISIBLE DAMAGES TO YOUR MOTOR VEHICLE CAN VERY OFTEN PROFOUNDLY AFFECT THE AMOUNT OF MONEY YOU'RE EVENTUALLY PAID.
If your vehicle was badly smashed, that goes a long way proving that your injuries were sever and therefore painful. You must snap photographs of your motor vehicle. Shoot a couple rolls of colored and also black and white (black and white because in some instances colored photographs cannot be entered as evidence in a court of law).Take them from different angles and various distances. Like for example, 30 feet away, then 15, then right up close.
Make two sets. One for you and one for Hard-Nose. Blow them up into 8X10 glossies and present them to him. Both the size of your repair bill and those photographs will go a long way towards proving two important points: First, that you know what you're doing and second, that the injuries you received from that god-awful impact (and the long period of pain, suffering and discomfort you‘ve had to deal with) - - if and when viewed by a judge or jury - - are proof positive of what your injury caused your body to endure.
DISCLAIMER: The only purpose of this article SIX CRUCIAL INSURANCE CLAIM POSSIBILITIES, is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ARTICLE CITY make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.
Dan Baldyga's third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com . This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury.
Copyright (c) 2003 Daniel G. Baldyga. All Rights Reserved
Dan Baldyga - Author
19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733-0127 FAX: (413) 731-8358
Mail to: dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found On Internet At: http://www.autoaccidentclaims.com
Or: http://www.caraccidentclaims.com
About The Author
For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistaant. He is now retired and spends his time attempting those involved in motor vehicle accident claims so they will not be take advantage of.
dbpaw@comcast.net
Shopping for a Secured Personal Loan
Shopping for a Secured Personal Loan
by: John Mussi
If you find yourself looking for a loan, you'll likely be getting a secured personal loan. A secured personal loan can be used for a variety of reasons, from paying off student fees to buying a new car… but they all have a few things in common. Any secured personal loan that you get will require you to put down a security deposit in the form of property (which is known as collateral), which helps to assure the lender that they'll be getting their money back. Collateral is also a good incentive for paying back your loan, after all, you do not want the lender to have to sell your property because you didn't pay them what you owed.
Examples of a secured personal loan
Any loan that you take out for yourself that has some sort of property attached to it is a secured personal loan. You could be borrowing money from a bank and using gold jewelry as collateral for the loan, or you could be purchasing a new house with a mortgage through a finance company… either way, if you don't pay back what you owe then you're going to lose the property in question. Automotive financing, title loans, and pawn shops also fall into this category, though pawn shops are a bit more of an extreme example of the secured personal loan.
Advantages and disadvantages of a secured personal loan
For the most part, interest rates are lower with a secured personal loan that they are with other types of loans. The reason for this is the collateral that you offer… the lender knows that it is going to get its money back one way or another, so its able to be a bit more flexible with its interest. If the loan were unsecured (meaning that there was no collateral required), the interest rates would likely be much higher.
Another advantage of a secured personal loan is that they're much easier to get than unsecured loans. After all, the collateral serves as a guarantee that the lender will be getting their money back… that makes them more willing to offer loans to people with questionable credit. Should you default on the loan, they still won't lose the money that they lend you (though they will have to go through the trouble and expense of possessing the collateral and selling it.)
The main disadvantage of a secured personal loan is the penalty for defaulting on the loan… losing your collateral. In some cases this isn't as bad as others… after all, it's much better to lose some rare coins than it is to lose your house. With fast and consistent repayment, however, this drawback can be easily avoided. The fear of losing your collateral can even be turned into an advantage after all, you have a wonderful reason to make all of your payments on time.
You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:
About the Author
John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the www.directonlineloans.co.uk website.
by: John Mussi
If you find yourself looking for a loan, you'll likely be getting a secured personal loan. A secured personal loan can be used for a variety of reasons, from paying off student fees to buying a new car… but they all have a few things in common. Any secured personal loan that you get will require you to put down a security deposit in the form of property (which is known as collateral), which helps to assure the lender that they'll be getting their money back. Collateral is also a good incentive for paying back your loan, after all, you do not want the lender to have to sell your property because you didn't pay them what you owed.
Examples of a secured personal loan
Any loan that you take out for yourself that has some sort of property attached to it is a secured personal loan. You could be borrowing money from a bank and using gold jewelry as collateral for the loan, or you could be purchasing a new house with a mortgage through a finance company… either way, if you don't pay back what you owe then you're going to lose the property in question. Automotive financing, title loans, and pawn shops also fall into this category, though pawn shops are a bit more of an extreme example of the secured personal loan.
Advantages and disadvantages of a secured personal loan
For the most part, interest rates are lower with a secured personal loan that they are with other types of loans. The reason for this is the collateral that you offer… the lender knows that it is going to get its money back one way or another, so its able to be a bit more flexible with its interest. If the loan were unsecured (meaning that there was no collateral required), the interest rates would likely be much higher.
Another advantage of a secured personal loan is that they're much easier to get than unsecured loans. After all, the collateral serves as a guarantee that the lender will be getting their money back… that makes them more willing to offer loans to people with questionable credit. Should you default on the loan, they still won't lose the money that they lend you (though they will have to go through the trouble and expense of possessing the collateral and selling it.)
The main disadvantage of a secured personal loan is the penalty for defaulting on the loan… losing your collateral. In some cases this isn't as bad as others… after all, it's much better to lose some rare coins than it is to lose your house. With fast and consistent repayment, however, this drawback can be easily avoided. The fear of losing your collateral can even be turned into an advantage after all, you have a wonderful reason to make all of your payments on time.
You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:
About the Author
John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the www.directonlineloans.co.uk website.
Shopping For A Car? Don’t Get Taken For A Ride!
Shopping For A Car? Don’t Get Taken For A Ride!
by: James H. Dimmitt
Imagine this ... You're ready to buy a new car. You've done your research on the web at a site like Edmunds.com so you know what the dealer has paid for the model you want. Based on your information you've established your comfort zone for price haggling.
You walk into the dealership, meet with a salesperson, and begin negotiations. At the end of your test drive and haggling, you're confident that you've made the best deal possible. No way you're getting ripped off because this time you are an "informed consumer" unlike when you bought your last vehicle.
One final step stands between you and your brand new "ride" - financing. Your credit is outstanding so you get what you believe is the lowest possible interest rate from the dealership. You drive away in your shiny new vehicle triumphant!
Ready for a dose of reality? According to a new study, there's a 1 in 4 chance that you've been "taken for a ride" by the dealer's finance department, especially if you are female or a minority, by as much as an extra $1,000.
The Consumer Federation of America, a Washington, D.C.,-based consumer interest group, said consumers often pay additional fees in that process - totaling as much as $1 billion nationwide - without realizing they qualified for cheaper financing.
Here's what can happen behind the scenes: a bank approves an interest rate, the dealer tacks on additional percentage points as a kind of service fee and then the dealer and lender split the difference.
To be fair, not every dealer is guilty of this markup. However, enough are involved that many states are now considering new "truth in advertising" lending laws. New laws would require auto dealers to inform customers of the original rate offered by the bank and what the dealer is offering to the customer, after tacking on their additional finance fee.
Shopping around with your bank, credit union or the internet can help you to find the interest rate that you qualify for in a loan. Remember, the auto dealer is in business to sell cars, not to offer loans.
The next time you're in the market for a car, don't just research the model, make, and add-ons. Research fair interest rates as well so that you'll know if you're getting the best rate possible from the auto dealer or if you're being "taken for a ride."
About The Author
© 2004, www.yourfreecreditreportnow.com
James H. Dimmitt is editor of "TO YOUR CREDIT", a weekly free newsletter. Subscribe to the newsletter by visiting http://www.yourfreecreditreportnow.com. He is also author of “Identity Theft - How to Avoid Becoming the Next Victim!” available at http://tinyurl.com/bc45
jimdim815@aol.com
by: James H. Dimmitt
Imagine this ... You're ready to buy a new car. You've done your research on the web at a site like Edmunds.com so you know what the dealer has paid for the model you want. Based on your information you've established your comfort zone for price haggling.
You walk into the dealership, meet with a salesperson, and begin negotiations. At the end of your test drive and haggling, you're confident that you've made the best deal possible. No way you're getting ripped off because this time you are an "informed consumer" unlike when you bought your last vehicle.
One final step stands between you and your brand new "ride" - financing. Your credit is outstanding so you get what you believe is the lowest possible interest rate from the dealership. You drive away in your shiny new vehicle triumphant!
Ready for a dose of reality? According to a new study, there's a 1 in 4 chance that you've been "taken for a ride" by the dealer's finance department, especially if you are female or a minority, by as much as an extra $1,000.
The Consumer Federation of America, a Washington, D.C.,-based consumer interest group, said consumers often pay additional fees in that process - totaling as much as $1 billion nationwide - without realizing they qualified for cheaper financing.
Here's what can happen behind the scenes: a bank approves an interest rate, the dealer tacks on additional percentage points as a kind of service fee and then the dealer and lender split the difference.
To be fair, not every dealer is guilty of this markup. However, enough are involved that many states are now considering new "truth in advertising" lending laws. New laws would require auto dealers to inform customers of the original rate offered by the bank and what the dealer is offering to the customer, after tacking on their additional finance fee.
Shopping around with your bank, credit union or the internet can help you to find the interest rate that you qualify for in a loan. Remember, the auto dealer is in business to sell cars, not to offer loans.
The next time you're in the market for a car, don't just research the model, make, and add-ons. Research fair interest rates as well so that you'll know if you're getting the best rate possible from the auto dealer or if you're being "taken for a ride."
About The Author
© 2004, www.yourfreecreditreportnow.com
James H. Dimmitt is editor of "TO YOUR CREDIT", a weekly free newsletter. Subscribe to the newsletter by visiting http://www.yourfreecreditreportnow.com. He is also author of “Identity Theft - How to Avoid Becoming the Next Victim!” available at http://tinyurl.com/bc45
jimdim815@aol.com
Friday, July 18, 2008
Sharing The Road Safely With Commercial Vehicles
Sharing The Road Safely With Commercial Vehicles
by: News Canada
(NC) — Since the 1970s, the number of vehicles on Canada's roads has increased by 80 per cent. Despite this dramatic increase in traffic, the number of road fatalities has been cut by more than half.
While every province and territory is responsible for highway safety by enforcing laws and maintaining highway infrastructure, Transport Canada is improving the safety of our roads by funding upgrades to parts of the national highway system. But better roads are not the only answer to our road safety challenges. Smarter driving is needed to keep our road safety records improving. Awareness of commercial vehicles is an important part of this.
In 1999, crashes involving commercial vehicles resulted in 556 fatalities and 11,591 injuries. According to Transport Canada, drivers of passenger vehicles need to be aware that commercial vehicles often manoeuvre much differently than cars or light trucks.
Learning about how different types of commercial vehicles operate can help drivers to better anticipate the time and distance commercial vehicles require for turning, changing lanes, speeding up, slowing down, and stopping — and this can prevent accidents.
For example, large commercial vehicles — such as tractor trailers — might have two or three times more power than passenger vehicles, but they must also pull thirty to forty times more weight. Commercial vehicles may need to accelerate through as many as ten gears to reach the speed limit, and take more than twice as much time and distance as a car to stop.
Large trucks and buses also make wide turns, and may first have to move in the opposite direction (left for a right-hand turn, right for a left-hand turn) in order to negotiate some corners safely. In addition, these vehicles have large blind spots, and passenger vehicles that get too close to a turning large truck or bus may not be visible.
To make Canadian highways safer, all drivers need to exercise skill, understanding and patience. In addition to encouraging Canadians to learn safer
driving habits, Transport Canada, along with the provinces and territories, is funding improvements to those parts of our national highway system that need immediate attention because of growing traffic and increased trade. These improvements, delivered through the $600 million Strategic Highway Infrastructure Program (SHIP), will result in a safer and more efficient highway system for all Canadians.
For more information on SHIP, and Government of Canada highway improvement programs in your area, visit http://www.tc.gc.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
(NC) — Since the 1970s, the number of vehicles on Canada's roads has increased by 80 per cent. Despite this dramatic increase in traffic, the number of road fatalities has been cut by more than half.
While every province and territory is responsible for highway safety by enforcing laws and maintaining highway infrastructure, Transport Canada is improving the safety of our roads by funding upgrades to parts of the national highway system. But better roads are not the only answer to our road safety challenges. Smarter driving is needed to keep our road safety records improving. Awareness of commercial vehicles is an important part of this.
In 1999, crashes involving commercial vehicles resulted in 556 fatalities and 11,591 injuries. According to Transport Canada, drivers of passenger vehicles need to be aware that commercial vehicles often manoeuvre much differently than cars or light trucks.
Learning about how different types of commercial vehicles operate can help drivers to better anticipate the time and distance commercial vehicles require for turning, changing lanes, speeding up, slowing down, and stopping — and this can prevent accidents.
For example, large commercial vehicles — such as tractor trailers — might have two or three times more power than passenger vehicles, but they must also pull thirty to forty times more weight. Commercial vehicles may need to accelerate through as many as ten gears to reach the speed limit, and take more than twice as much time and distance as a car to stop.
Large trucks and buses also make wide turns, and may first have to move in the opposite direction (left for a right-hand turn, right for a left-hand turn) in order to negotiate some corners safely. In addition, these vehicles have large blind spots, and passenger vehicles that get too close to a turning large truck or bus may not be visible.
To make Canadian highways safer, all drivers need to exercise skill, understanding and patience. In addition to encouraging Canadians to learn safer
driving habits, Transport Canada, along with the provinces and territories, is funding improvements to those parts of our national highway system that need immediate attention because of growing traffic and increased trade. These improvements, delivered through the $600 million Strategic Highway Infrastructure Program (SHIP), will result in a safer and more efficient highway system for all Canadians.
For more information on SHIP, and Government of Canada highway improvement programs in your area, visit http://www.tc.gc.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Settling Your Motor Vehicle Accident Claim Yourself
Settling Your Motor Vehicle Accident Claim Yourself
by: Dan Baldyga
Handling a property damage and/or personal injury (motor vehicle) claim yourself is a simple and routine procedure for ordinary individuals to process on their own ! The vast majority of motor vehicle accident claims require no specialized expertise which allows one to successfully settle it.
There are five characteristics found which makes them easy for one to undertake without handing their case to a lawyer:
#1. The vast majority of them are “Ordinary” in character.
#2. By and large they don’t involve serious injuries.
#3. More often than not (in comparison to the 10 to 15 percent that do) their are relatively low financial stakes and also minor economic losses involved.
#4. They’re processed by the insurance company (who will ultimately be responsible for a payment to be made) in a highly routine, assembly-line format.
#5. Both parties are ordinary citizens (rather than institutions) and demand no specific expertise to undertake.
There are thousands of laypersons who are under the impression that when they gave their case to a lawyer that the large “Contingency Fee” which the attorney will eventually take is in exchange for a guarantee of SKILLED and PROFESSIONAL representation. Too often they suddenly learn differently (but by then it’s to late) because by the time that realization arrives they’ve already been taken to the cleaners!
Most of us believe that lawyers have passed rigorous examination, so we assume that when it comes to the proper execution of legal documents and knowledge of the law, that surely they know what they’re doing. But, “How To” properly handle and investigate a client’s motor vehicle accident case, is not a skill learned in law school. Most lawyers don’t have it - - nor do they take the time to develop them.
It’s not for his great knowledge of the law, or his great expertise in courtroom skills, that an attorney can be effective in securing for his client the best possible settlement in their motor vehicle accident cases. Rather it’s possessing the skills and ability to make patient, painstaking investigations, to gather information and document a claim. But, here’s the problem: The vast majority of lawyers lack those essential attributes so as to position themselves to correctly process a clients motor vehicle accident claim.
QUESTION: “How can Dan Baldyga be so sure about what he’s written regarding the above?” ANSWER: “Because Dan was an Insurance Claims Adjuster, Supervisor, Manager and Trial Assistant. He observed all of that come to pass - - for over 35 years!”
FURTHER INFORMATION ON THE SUBJECT OF LEGAL FEES: The Rand Corporation for Civil Justice in Santa Monica, California found that accident victims who filed claims in Federal and State courts in the United States were awarded $21 to $25 billion of the $29 to $36 billion in total national expenditure made on all tort lawsuits in 1985. (Just imagine how much that figure has increased , over the many years, since then!).
HOWEVER - - AND USING THOSE SAME STATISTICS - - THE FOLLOWING WAS ALSO TRUE: After deducting the lawyer’s fees on all tort lawsuits in that same year, the victims wound up going home with a “Net” compensation of approximately $14 to $15 billion. These figures proved that the injured party received 56% of that figure, while the “Litigation System” got the rest = 44%! (The combined lawyers fees alone constitute a whopping $11 to $13 billion dollars of the amount paid!)
So, you may ask: Does the average claimant need a lawyer (who more often than not knows little or nothing about “How To” settle a (motor vehicle ) accident claim)? The answer is: No, they don‘t!
WHY? Because rather than resisting a payment the adjuster only wants the claim to be supported by documentation. Proof that will provide him and his superiors, in the Home Office (via the evidence of value received) which has been nailed down with Medical Bills, Lost Wage Letters, and similar documents. You don’t need a lawyer to obtain these for you because you can get these yourself. So, don’t believe the legal fraternity’s typical mumbo-jumbo con-job regarding, “My expertise when dealing with the Insurance Company”.
And why not you may ask? The answer to that one is very simple: Because when presented with these the adjuster will become a willing buyer, whether your have a lawyer representing you or not!
DISCLAIMER: The only purpose of this article SETTLING YOUR MOTOR VEHICLE ACCIDENT CLAIM YOURSELF is to help people understand the motor vehicle accident process. Dan Baldyga, Peter Go, Nor ARTICLECITY.COM make any guarantee whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, claims consultant or the like. Whenever such help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain such services.
All of information necessary for you to deal with and handle the above issues are spelled out within the contents of Dan Baldyga's third "How To" Insurance Claim Book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.caraccidentclaims.com OR http://www.autoacccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured - - because of your accident - - are worth
Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved
About The Author
Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accident claims so they won't be taken advantage of: dbpaw@comcast.net
by: Dan Baldyga
Handling a property damage and/or personal injury (motor vehicle) claim yourself is a simple and routine procedure for ordinary individuals to process on their own ! The vast majority of motor vehicle accident claims require no specialized expertise which allows one to successfully settle it.
There are five characteristics found which makes them easy for one to undertake without handing their case to a lawyer:
#1. The vast majority of them are “Ordinary” in character.
#2. By and large they don’t involve serious injuries.
#3. More often than not (in comparison to the 10 to 15 percent that do) their are relatively low financial stakes and also minor economic losses involved.
#4. They’re processed by the insurance company (who will ultimately be responsible for a payment to be made) in a highly routine, assembly-line format.
#5. Both parties are ordinary citizens (rather than institutions) and demand no specific expertise to undertake.
There are thousands of laypersons who are under the impression that when they gave their case to a lawyer that the large “Contingency Fee” which the attorney will eventually take is in exchange for a guarantee of SKILLED and PROFESSIONAL representation. Too often they suddenly learn differently (but by then it’s to late) because by the time that realization arrives they’ve already been taken to the cleaners!
Most of us believe that lawyers have passed rigorous examination, so we assume that when it comes to the proper execution of legal documents and knowledge of the law, that surely they know what they’re doing. But, “How To” properly handle and investigate a client’s motor vehicle accident case, is not a skill learned in law school. Most lawyers don’t have it - - nor do they take the time to develop them.
It’s not for his great knowledge of the law, or his great expertise in courtroom skills, that an attorney can be effective in securing for his client the best possible settlement in their motor vehicle accident cases. Rather it’s possessing the skills and ability to make patient, painstaking investigations, to gather information and document a claim. But, here’s the problem: The vast majority of lawyers lack those essential attributes so as to position themselves to correctly process a clients motor vehicle accident claim.
QUESTION: “How can Dan Baldyga be so sure about what he’s written regarding the above?” ANSWER: “Because Dan was an Insurance Claims Adjuster, Supervisor, Manager and Trial Assistant. He observed all of that come to pass - - for over 35 years!”
FURTHER INFORMATION ON THE SUBJECT OF LEGAL FEES: The Rand Corporation for Civil Justice in Santa Monica, California found that accident victims who filed claims in Federal and State courts in the United States were awarded $21 to $25 billion of the $29 to $36 billion in total national expenditure made on all tort lawsuits in 1985. (Just imagine how much that figure has increased , over the many years, since then!).
HOWEVER - - AND USING THOSE SAME STATISTICS - - THE FOLLOWING WAS ALSO TRUE: After deducting the lawyer’s fees on all tort lawsuits in that same year, the victims wound up going home with a “Net” compensation of approximately $14 to $15 billion. These figures proved that the injured party received 56% of that figure, while the “Litigation System” got the rest = 44%! (The combined lawyers fees alone constitute a whopping $11 to $13 billion dollars of the amount paid!)
So, you may ask: Does the average claimant need a lawyer (who more often than not knows little or nothing about “How To” settle a (motor vehicle ) accident claim)? The answer is: No, they don‘t!
WHY? Because rather than resisting a payment the adjuster only wants the claim to be supported by documentation. Proof that will provide him and his superiors, in the Home Office (via the evidence of value received) which has been nailed down with Medical Bills, Lost Wage Letters, and similar documents. You don’t need a lawyer to obtain these for you because you can get these yourself. So, don’t believe the legal fraternity’s typical mumbo-jumbo con-job regarding, “My expertise when dealing with the Insurance Company”.
And why not you may ask? The answer to that one is very simple: Because when presented with these the adjuster will become a willing buyer, whether your have a lawyer representing you or not!
DISCLAIMER: The only purpose of this article SETTLING YOUR MOTOR VEHICLE ACCIDENT CLAIM YOURSELF is to help people understand the motor vehicle accident process. Dan Baldyga, Peter Go, Nor ARTICLECITY.COM make any guarantee whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, claims consultant or the like. Whenever such help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain such services.
All of information necessary for you to deal with and handle the above issues are spelled out within the contents of Dan Baldyga's third "How To" Insurance Claim Book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.caraccidentclaims.com OR http://www.autoacccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured - - because of your accident - - are worth
Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved
About The Author
Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accident claims so they won't be taken advantage of: dbpaw@comcast.net
Selling Effectively on Ebay Motors
Selling Effectively on Ebay Motors
by: Cherie Szilvagyi
Remember back when selling online was a new experience? Dealers tried everything to sell their vehicles online. Today’s market has expanded to include several hot online marketplaces but there is the largest online marketplace, Ebay. Ebay has evolved into an online solution for everything from whole towns to your favorite paperback book. Big or small it doesn’t matter, Ebay has everything for the savvy consumer.
Vehicles are plentiful on Ebay. Ebay sells a vehicle every minute for the savvy seller willing to invest his time and money in listing his vehicle online. Just how effective is selling on Ebay? A vehicle sells once every minute on Ebay that is very, very effective. Do all vehicles sell that are listed on Ebay? Actually, less than 10% of the vehicles listed on Ebay actually sell.
What are the companies doing that are selling effectively on Ebay? Is there a secret to their success? Consider that a digital camera and some basic design skils is all you need to sell on Ebay. Of course you also need a vehicle to sell. Which vehicle and how much will it sell for? How to type up the description so that that savvy consumer will want to purchase your vehicle?
All of these questions are asked each and every day by savvy individuals and auto dealers all across the United States. A company has come along that can help with your selling situation and take the work out of listing on Ebay Motors. That is right! No work for you! They take the pictures and handle your vehicle sale from start to finish. While handling emails and phone calls in a professional manner to produce a proven sales result.
A Consulting company called www.AutomobileClearingHouse.com has proven that they can sell cars on Ebay with a sell through factor much higher than the average consumer on Ebay. Take the work out of selling your vehicle on the world’s largest marketplace. Check out their website and see how easy selling a car online can be.
“We are commited to selling online. Let us put our extensive experience to work for you.”
About The Author
Cherie Szilvagyi is the CEO of AutomobileClearingHouse.com and is a leading powerseller on Ebay Motor. See this new alternative to selling online at www.AutomobileClearingHouse.com.
cheries001@yahoo.com
by: Cherie Szilvagyi
Remember back when selling online was a new experience? Dealers tried everything to sell their vehicles online. Today’s market has expanded to include several hot online marketplaces but there is the largest online marketplace, Ebay. Ebay has evolved into an online solution for everything from whole towns to your favorite paperback book. Big or small it doesn’t matter, Ebay has everything for the savvy consumer.
Vehicles are plentiful on Ebay. Ebay sells a vehicle every minute for the savvy seller willing to invest his time and money in listing his vehicle online. Just how effective is selling on Ebay? A vehicle sells once every minute on Ebay that is very, very effective. Do all vehicles sell that are listed on Ebay? Actually, less than 10% of the vehicles listed on Ebay actually sell.
What are the companies doing that are selling effectively on Ebay? Is there a secret to their success? Consider that a digital camera and some basic design skils is all you need to sell on Ebay. Of course you also need a vehicle to sell. Which vehicle and how much will it sell for? How to type up the description so that that savvy consumer will want to purchase your vehicle?
All of these questions are asked each and every day by savvy individuals and auto dealers all across the United States. A company has come along that can help with your selling situation and take the work out of listing on Ebay Motors. That is right! No work for you! They take the pictures and handle your vehicle sale from start to finish. While handling emails and phone calls in a professional manner to produce a proven sales result.
A Consulting company called www.AutomobileClearingHouse.com has proven that they can sell cars on Ebay with a sell through factor much higher than the average consumer on Ebay. Take the work out of selling your vehicle on the world’s largest marketplace. Check out their website and see how easy selling a car online can be.
“We are commited to selling online. Let us put our extensive experience to work for you.”
About The Author
Cherie Szilvagyi is the CEO of AutomobileClearingHouse.com and is a leading powerseller on Ebay Motor. See this new alternative to selling online at www.AutomobileClearingHouse.com.
cheries001@yahoo.com
See And Be Seen
See And Be Seen
by: News Canada
Tips for parents on how to keep kids safe on the street
(NC)—Hopping on the bus, walking home with friends, or even riding a bike to school for the first time – there are so many milestones that children experience throughout their first few years of school, and many of these experiences involve learning how to use neighbourhood streets.
This fall, Alliance Tire Professionals and the Canada Safety Council are encouraging kids to "see and be seen" through an innovative program running in conjunction with National School Safety WeekTM in October. K.O.P. – Kids On Patrol – promotes the importance of road safety to young children through resources provided to schools across the country.
"October is a key month for school safety," says Emile Therien, president, Canada Safety Council. "Increased hours of darkness combine with the excitement around Halloween to make pedestrian safety a major issue for kids at this time of year. "
As part of the "see and be seen" theme, children across Canada are being encouraged to visit their local Alliance Tire Professionals dealership this Halloween for a free, retro-reflective armband that can be worn while trick-or-treating.
"Halloween may be one of the first times that children must learn to negotiate roads, sidewalks, and other pedestrians at night," says Therien. "Parents are encouraged to put makeup on their children instead of masks, and to outfit them in brightly coloured, reflective clothing – it's the best way to ensure that kids can see and be seen."
Alliance Tire Professionals and the Canada Safety Council encourage parents to have an open dialogue with their children about the importance of road safety. Here are a few tips to keep in mind as the kids hit the streets:
* Teach little ones the definition of "medians," "intersections" and "pedestrians." It will help them to understand the world of traffic around them.
* Ensure children know the different traffic signals and when it is safe for them to cross. For example, at a traffic light, make sure they look both ways to make sure all cars have stopped before crossing.
* Kids are naturally fascinated with emergency vehicles. Teach them how the lights and sounds are meant to warn drivers and pedestrians, and not to cross the street if a police car, ambulance or fire truck is approaching.
* School buses also have red flashing lights. Let kids see how drivers must stop when school bus lights flash, and show them when it is safe for them to get on and off the bus. Always accompany young children to the bus stop, and don't let older kids arrive at the stop too early – they may be tempted to wander.
* Remember: the best teacher is your own good example! Obey all traffic signals, and don't jaywalk.
Visit www.alliance-tires.com, www.safety-council.org or an Alliance Tire Professionals Dealer near you for more information on National School Safety Week and the Kids on Patrol program.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
Tips for parents on how to keep kids safe on the street
(NC)—Hopping on the bus, walking home with friends, or even riding a bike to school for the first time – there are so many milestones that children experience throughout their first few years of school, and many of these experiences involve learning how to use neighbourhood streets.
This fall, Alliance Tire Professionals and the Canada Safety Council are encouraging kids to "see and be seen" through an innovative program running in conjunction with National School Safety WeekTM in October. K.O.P. – Kids On Patrol – promotes the importance of road safety to young children through resources provided to schools across the country.
"October is a key month for school safety," says Emile Therien, president, Canada Safety Council. "Increased hours of darkness combine with the excitement around Halloween to make pedestrian safety a major issue for kids at this time of year. "
As part of the "see and be seen" theme, children across Canada are being encouraged to visit their local Alliance Tire Professionals dealership this Halloween for a free, retro-reflective armband that can be worn while trick-or-treating.
"Halloween may be one of the first times that children must learn to negotiate roads, sidewalks, and other pedestrians at night," says Therien. "Parents are encouraged to put makeup on their children instead of masks, and to outfit them in brightly coloured, reflective clothing – it's the best way to ensure that kids can see and be seen."
Alliance Tire Professionals and the Canada Safety Council encourage parents to have an open dialogue with their children about the importance of road safety. Here are a few tips to keep in mind as the kids hit the streets:
* Teach little ones the definition of "medians," "intersections" and "pedestrians." It will help them to understand the world of traffic around them.
* Ensure children know the different traffic signals and when it is safe for them to cross. For example, at a traffic light, make sure they look both ways to make sure all cars have stopped before crossing.
* Kids are naturally fascinated with emergency vehicles. Teach them how the lights and sounds are meant to warn drivers and pedestrians, and not to cross the street if a police car, ambulance or fire truck is approaching.
* School buses also have red flashing lights. Let kids see how drivers must stop when school bus lights flash, and show them when it is safe for them to get on and off the bus. Always accompany young children to the bus stop, and don't let older kids arrive at the stop too early – they may be tempted to wander.
* Remember: the best teacher is your own good example! Obey all traffic signals, and don't jaywalk.
Visit www.alliance-tires.com, www.safety-council.org or an Alliance Tire Professionals Dealer near you for more information on National School Safety Week and the Kids on Patrol program.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Scherping Systems on Largest ETO ERP Vendor Encompix Shares Sample Client Roster
Scherping Systems on Largest ETO ERP Vendor Encompix Shares Sample Client Roster
by: Thomas Cutler
Encompix (www.encompix.com) has filled the manufacturing software requirements of Engineer-to-Order companies since 1992. Encompix provides ETO (engineer-to-order) manufacturers with a competitive advantage by improving bottom line results. A sample list of Encompix clients demonstrates the scope of the ERP (Enterprise Resource Planning) solution:
- Kvichak Marine, leader in the design of high quality, hardworking aluminum vessels.
- Scherping Systems, leading supplier of process equipment to dairy industries.
- Sentinel Building Systems, leading manufacturer of all-steel buildings for agricultural/commercial use.
- American Micro Products, Inc., leader of precision-machined components and manufacturer of circular, glass to metal, hermetically sealed electrical connectors.
- Automatic Feed Company (AFC), world's premier designers and manufacturers of coil processing
- Reko International Group Inc. manufactures plastic injection molds, compression molds, dies, fixtures, automation, special machines.
- B&K Corporation designs/builds assembly and test systems for the automotive industry.
- GL&V focuses in pulp and paper or process equipment.
- Conservatek, geodesic dome technology in the manufacture of lightweight, high-strength aluminum roof systems.
- Merritech's business is designing and building special production machines for automotive manufacturers.
- Vulcan Engineering, foundry engineering, manufacturing.
- Roy Metal Products, the largest manufacturers of custom-made metal store fixtures in North America.
- Poblocki & Sons, the leading interior and exterior signage manufacturers.
- Globecomm Systems Inc., designs, assembles and installs satellite ground segment systems.
- COE, major international machinery provider to the Forest and Building Products, Rubber and Laminates industries.
- Delta, premier supplier of plastic injection molds, models, fixtures, tooling for the automotive, aerospace, and heavy truck industries.
- Extrude Hone invented the Abrasive Flow Machining process.
- Machines-Outils Henri Line Inc. designs and builds custom machines for industries such as aerospace, automotive, railroad and precision machining.
- Stillwater, machining company and a manufacturer of resistance welding products.
- LNS America, Inc., leading supplier of bar feeding equipment.
- The Assembly & Test - Worldwide (ATW), automation systems and solutions fundamental to the assembly and testing of industrial products.
- Automatic Systems, Inc., material handling systems.
- Electronic equipment from noise, dust, extreme heat, or inclement weather provided by Metal Systems, Inc.
- MSI Mold Builders designs and builds various types of steel and aluminum molds for injection, structural foam, rim, blow, gas assist and structural web processes.
- Fab-Tech, Inc., the leading global supplier of corrosive-resistant fume exhaust systems.
- Weber Manufacturing Limited,a service tool supplier for plastic molders.
- Rader, Equipment in virtually every Pulp and Paper mill in North America.
- Matrix Service serves the petro/chemical industry.
- Cross Bros. custom fabricated equipment; power transmission products; conveyor and industrial machinery service and maintenance.
- Minnesota Elevator, Inc. specializes in the manufacture of various types of elevators.
Encompix
www.encompix.com
Roger Meloy
513-733-0066
# # #
About the Author
None
by: Thomas Cutler
Encompix (www.encompix.com) has filled the manufacturing software requirements of Engineer-to-Order companies since 1992. Encompix provides ETO (engineer-to-order) manufacturers with a competitive advantage by improving bottom line results. A sample list of Encompix clients demonstrates the scope of the ERP (Enterprise Resource Planning) solution:
- Kvichak Marine, leader in the design of high quality, hardworking aluminum vessels.
- Scherping Systems, leading supplier of process equipment to dairy industries.
- Sentinel Building Systems, leading manufacturer of all-steel buildings for agricultural/commercial use.
- American Micro Products, Inc., leader of precision-machined components and manufacturer of circular, glass to metal, hermetically sealed electrical connectors.
- Automatic Feed Company (AFC), world's premier designers and manufacturers of coil processing
- Reko International Group Inc. manufactures plastic injection molds, compression molds, dies, fixtures, automation, special machines.
- B&K Corporation designs/builds assembly and test systems for the automotive industry.
- GL&V focuses in pulp and paper or process equipment.
- Conservatek, geodesic dome technology in the manufacture of lightweight, high-strength aluminum roof systems.
- Merritech's business is designing and building special production machines for automotive manufacturers.
- Vulcan Engineering, foundry engineering, manufacturing.
- Roy Metal Products, the largest manufacturers of custom-made metal store fixtures in North America.
- Poblocki & Sons, the leading interior and exterior signage manufacturers.
- Globecomm Systems Inc., designs, assembles and installs satellite ground segment systems.
- COE, major international machinery provider to the Forest and Building Products, Rubber and Laminates industries.
- Delta, premier supplier of plastic injection molds, models, fixtures, tooling for the automotive, aerospace, and heavy truck industries.
- Extrude Hone invented the Abrasive Flow Machining process.
- Machines-Outils Henri Line Inc. designs and builds custom machines for industries such as aerospace, automotive, railroad and precision machining.
- Stillwater, machining company and a manufacturer of resistance welding products.
- LNS America, Inc., leading supplier of bar feeding equipment.
- The Assembly & Test - Worldwide (ATW), automation systems and solutions fundamental to the assembly and testing of industrial products.
- Automatic Systems, Inc., material handling systems.
- Electronic equipment from noise, dust, extreme heat, or inclement weather provided by Metal Systems, Inc.
- MSI Mold Builders designs and builds various types of steel and aluminum molds for injection, structural foam, rim, blow, gas assist and structural web processes.
- Fab-Tech, Inc., the leading global supplier of corrosive-resistant fume exhaust systems.
- Weber Manufacturing Limited,a service tool supplier for plastic molders.
- Rader, Equipment in virtually every Pulp and Paper mill in North America.
- Matrix Service serves the petro/chemical industry.
- Cross Bros. custom fabricated equipment; power transmission products; conveyor and industrial machinery service and maintenance.
- Minnesota Elevator, Inc. specializes in the manufacture of various types of elevators.
Encompix
www.encompix.com
Roger Meloy
513-733-0066
# # #
About the Author
None
Retreads: The Highest and Best Use for a Worn Tire
Retreads: The Highest and Best Use for a Worn Tire
by: ARA Content
(ARA) - Although they may look round and black, retreaded tires are one of the greenest, environmentally friendly products a fleet can buy. Retreaded tires have one of the highest post-consumer contents of all recycled products, and are responsible for saving North Americans more than 400 million gallons of oil every year.
Most people don't know that tires contain a very large percentage of synthetic rubber, which is petroleum based. Every time a truck tire is retreaded there is a savings of approximately 15 gallons of oil. In addition, every tire that is retreaded is one less tire for our overcrowded landfills.
"I don't know of any other recycled product that saves as much money for the end user as a retreaded tire. When you add these savings into the natural resources that are saved and the positive impact this has on the environment, using retreads is a win, win solution for both the transportation industry and the environment," said Martin Bozarth, executive director of the International Tire & Rubber Association.
"Tire retreading makes an important contribution to the reduction in the number of tires requiring annual disposal by insuring that tires, especially medium truck tires, provide the fullest possible service life. Retreadable casings should always be directed to the retread market," says John Serumgard of the Scrap Tire Management Council
For more information about the environmental and economic benefits of retreaded tires, visit www.retread.org, or contact the Tire Retread Information Bureau toll free at (888) 473-8732, or by e-mail: info@retread.org.
About The Author
Courtesy ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
by: ARA Content
(ARA) - Although they may look round and black, retreaded tires are one of the greenest, environmentally friendly products a fleet can buy. Retreaded tires have one of the highest post-consumer contents of all recycled products, and are responsible for saving North Americans more than 400 million gallons of oil every year.
Most people don't know that tires contain a very large percentage of synthetic rubber, which is petroleum based. Every time a truck tire is retreaded there is a savings of approximately 15 gallons of oil. In addition, every tire that is retreaded is one less tire for our overcrowded landfills.
"I don't know of any other recycled product that saves as much money for the end user as a retreaded tire. When you add these savings into the natural resources that are saved and the positive impact this has on the environment, using retreads is a win, win solution for both the transportation industry and the environment," said Martin Bozarth, executive director of the International Tire & Rubber Association.
"Tire retreading makes an important contribution to the reduction in the number of tires requiring annual disposal by insuring that tires, especially medium truck tires, provide the fullest possible service life. Retreadable casings should always be directed to the retread market," says John Serumgard of the Scrap Tire Management Council
For more information about the environmental and economic benefits of retreaded tires, visit www.retread.org, or contact the Tire Retread Information Bureau toll free at (888) 473-8732, or by e-mail: info@retread.org.
About The Author
Courtesy ARA Content, www.ARAcontent.com; e-mail: info@ARAcontent.com
Resumes That Rock (16 Expert Tips)
Resumes That Rock (16 Expert Tips)
by: Karen Fritscher-Porter
It's never too early to update your resume, even if you're not searching for a new job. Why? Updating your resume is a valuable reminder to yourself of your practical value to employers.
Refer to it when preparing your business case for a raise request or when preparing for your annual performance evaluation. Your resume is a good reminder of your achievements for your company as well as your capabilities and skills.
And if you suddenly find your company, or life, in upheaval and need to start searching for a new job, preparing your resume is one less stressful activity to worry about. You've kept your resume current so it's nearly complete. Just polish it, print it and add a cover letter targeted toward each individual employer and position. Then drop it in the mail, fax it or e-mail it per the potential employer's preference. It's so simple, right? Hardly.
If you could really capture your essence in a bottle and send it to the prospective employer, you'd certainly get the job. Why? He'd know how polished, enthusiastic, well-qualified and perfect you were for the position compared to the other trillion candidates applying too. Unfortunately, it doesn't work that way. Your "essence" has to go into the brief resume and cover letter versus a bottle. And that's how the potential employer knows he or she just MUST meet you in person.
"Your resume is a snapshot," says Anne McKinney, author and editor of "Real Resumes for Administrative Support, Office & Secretarial Jobs" by PREP Publishing (www.prep-pub.com). "And when a resume is a great resume, from head (its objective) to toe (its personal section), an employer can really feel that he has met you. He might not know exactly what you look like but it's a photograph of you in lots of ways that you've brought to life. And that's not easy for most people to create since they're not writers."
Here is advice McKinney shared that should help make your next resume and cover letter writing experience easier and more focused:
Cover Letters:
1. Don't write anything that will get you screened out. For example, don't write that you've just finished having your ninth child but your mother-in-law takes care of the children during the day. Most employers will think your life is too busy to truly include them in a reliable fashion.
2. Be careful when you introduce personal content. But don't exclude it in your cover letter if it might be of interest to that particular employer. For example, you mention your youngest child has just left home for college, you're newly single and you're psyched for this position that possibly entails traveling as a personal assistant. That employer is looking for someone who is willing to travel or relocate and focus on him predominately. You're in.
3. Write positive statements. Don't start with 'I've been out of the job market for 15 years...' It doesn't inspire confidence. See the tip above for a better way to phrase this.
4. Stay away from touchy subjects unless it's positive and useful information. Religious matters wouldn't likely be appropriate for a cover letter unless, for instance, you're applying to work at a nonprofit organization of your faith. Then it might be to your advantage to mention something relevant.
5. Use the cover letter to address questions or discrepancies that the employer might have about you. Make employers aware that you do know what job you're applying for and you're not just littering the universe with your resume. That might mean writing that 'I'm writing to you from Missouri but I'm planning to be in North Carolina where you're located upon my husband's retirement from the military when we return to our home town.'
6. Communicate three main concepts in your cover letter. The prospective employer wants to know anything that might help her make money; cut a cost; attract a new customer; retain an existing customer; or solve a problem. Make your self-promotion do that and you'll be on the DO CALL list.
7. Flaunt it, baby! If you're a whiz with computer skills, don't be shy about saying so. Whether you learned a skill on the job or went to school for four years to learn it, you do have the skill. It doesn't matter how you acquired such valuable skills--just mention that you have them.
Resumes:
8. Write a single resume that is suitable for multiple employers.
9. Make your resume one page. Start by writing everything you want to say; then edit and cut. A two page resume can work too. Just remember, prospective employers are reading a lot of cover letters and resumes. Concise is better.
10. Put the juicy stuff on page one of a multi-page resume.
11. Break the resume into sections: education, training, computer skills and so forth. Your 'experience' section is the prime real estate and should be half or more of a one page resume.
12. Write in chronological order. Start with the most recent information.
13. Go back in your employment history as far as beneficial to you. Ten years is good. Experience beyond that can go in a summary under 'highlight of other experience' section, hitting just the highlights without dates. This is where you can mention you've also worked in CPA and law firms, giving the employer an indirect reminder that you're versatile.
14. Write a broad objective statement. Make it all purpose enough so that somebody reading it won't immediately say 'we're not what she's looking for.' Accentuate your personal qualities and some of your skills in the statement.
15. Don't highlight that you've primarily worked in one industry or write that you're seeking an entry-level position. You may be looking for an administrative assistant job in the aerospace industry but would you consider office manager in the company's automotive industry sister company if offered to you?
16. Write your accomplishments. Your resume should mostly describe what you actually accomplished on the job. Don't be boring! Say 'trained approximately 30 employees in the word processing department in operation of Microsoft Word...' not 'responsibilities included switchboard, computer operations and customer service.' That first sentence says you trained people, communicated, presented in front of a group, worked one-on-one providing individual assistance and have lots of computer experience. The second phrasing just says you're boring. Yawn!
A scheduled interview means your resume is a success. Pop the bubbly (but not right before your interview)!
© 2005 Karen Fritscher-Porter
About the Author
Karen Fritscher-Porter is the publisher and editor of The Effective Admin, a free monthly e-zine for administrative support professionals who want practical tips to advance their career and simplify their daily job duties. Learn more about The Effective Admin at http://www.admin-ezine.com where you also can buy booklets and reports full of informational tips useful to administrative assistants and their managers.
by: Karen Fritscher-Porter
It's never too early to update your resume, even if you're not searching for a new job. Why? Updating your resume is a valuable reminder to yourself of your practical value to employers.
Refer to it when preparing your business case for a raise request or when preparing for your annual performance evaluation. Your resume is a good reminder of your achievements for your company as well as your capabilities and skills.
And if you suddenly find your company, or life, in upheaval and need to start searching for a new job, preparing your resume is one less stressful activity to worry about. You've kept your resume current so it's nearly complete. Just polish it, print it and add a cover letter targeted toward each individual employer and position. Then drop it in the mail, fax it or e-mail it per the potential employer's preference. It's so simple, right? Hardly.
If you could really capture your essence in a bottle and send it to the prospective employer, you'd certainly get the job. Why? He'd know how polished, enthusiastic, well-qualified and perfect you were for the position compared to the other trillion candidates applying too. Unfortunately, it doesn't work that way. Your "essence" has to go into the brief resume and cover letter versus a bottle. And that's how the potential employer knows he or she just MUST meet you in person.
"Your resume is a snapshot," says Anne McKinney, author and editor of "Real Resumes for Administrative Support, Office & Secretarial Jobs" by PREP Publishing (www.prep-pub.com). "And when a resume is a great resume, from head (its objective) to toe (its personal section), an employer can really feel that he has met you. He might not know exactly what you look like but it's a photograph of you in lots of ways that you've brought to life. And that's not easy for most people to create since they're not writers."
Here is advice McKinney shared that should help make your next resume and cover letter writing experience easier and more focused:
Cover Letters:
1. Don't write anything that will get you screened out. For example, don't write that you've just finished having your ninth child but your mother-in-law takes care of the children during the day. Most employers will think your life is too busy to truly include them in a reliable fashion.
2. Be careful when you introduce personal content. But don't exclude it in your cover letter if it might be of interest to that particular employer. For example, you mention your youngest child has just left home for college, you're newly single and you're psyched for this position that possibly entails traveling as a personal assistant. That employer is looking for someone who is willing to travel or relocate and focus on him predominately. You're in.
3. Write positive statements. Don't start with 'I've been out of the job market for 15 years...' It doesn't inspire confidence. See the tip above for a better way to phrase this.
4. Stay away from touchy subjects unless it's positive and useful information. Religious matters wouldn't likely be appropriate for a cover letter unless, for instance, you're applying to work at a nonprofit organization of your faith. Then it might be to your advantage to mention something relevant.
5. Use the cover letter to address questions or discrepancies that the employer might have about you. Make employers aware that you do know what job you're applying for and you're not just littering the universe with your resume. That might mean writing that 'I'm writing to you from Missouri but I'm planning to be in North Carolina where you're located upon my husband's retirement from the military when we return to our home town.'
6. Communicate three main concepts in your cover letter. The prospective employer wants to know anything that might help her make money; cut a cost; attract a new customer; retain an existing customer; or solve a problem. Make your self-promotion do that and you'll be on the DO CALL list.
7. Flaunt it, baby! If you're a whiz with computer skills, don't be shy about saying so. Whether you learned a skill on the job or went to school for four years to learn it, you do have the skill. It doesn't matter how you acquired such valuable skills--just mention that you have them.
Resumes:
8. Write a single resume that is suitable for multiple employers.
9. Make your resume one page. Start by writing everything you want to say; then edit and cut. A two page resume can work too. Just remember, prospective employers are reading a lot of cover letters and resumes. Concise is better.
10. Put the juicy stuff on page one of a multi-page resume.
11. Break the resume into sections: education, training, computer skills and so forth. Your 'experience' section is the prime real estate and should be half or more of a one page resume.
12. Write in chronological order. Start with the most recent information.
13. Go back in your employment history as far as beneficial to you. Ten years is good. Experience beyond that can go in a summary under 'highlight of other experience' section, hitting just the highlights without dates. This is where you can mention you've also worked in CPA and law firms, giving the employer an indirect reminder that you're versatile.
14. Write a broad objective statement. Make it all purpose enough so that somebody reading it won't immediately say 'we're not what she's looking for.' Accentuate your personal qualities and some of your skills in the statement.
15. Don't highlight that you've primarily worked in one industry or write that you're seeking an entry-level position. You may be looking for an administrative assistant job in the aerospace industry but would you consider office manager in the company's automotive industry sister company if offered to you?
16. Write your accomplishments. Your resume should mostly describe what you actually accomplished on the job. Don't be boring! Say 'trained approximately 30 employees in the word processing department in operation of Microsoft Word...' not 'responsibilities included switchboard, computer operations and customer service.' That first sentence says you trained people, communicated, presented in front of a group, worked one-on-one providing individual assistance and have lots of computer experience. The second phrasing just says you're boring. Yawn!
A scheduled interview means your resume is a success. Pop the bubbly (but not right before your interview)!
© 2005 Karen Fritscher-Porter
About the Author
Karen Fritscher-Porter is the publisher and editor of The Effective Admin, a free monthly e-zine for administrative support professionals who want practical tips to advance their career and simplify their daily job duties. Learn more about The Effective Admin at http://www.admin-ezine.com where you also can buy booklets and reports full of informational tips useful to administrative assistants and their managers.
Researching A Car Thats Right For You
Researching A Car Thats Right For You
by: Kevin Schappell
Researching your new vehicle is a daunting task in today's world. Once you have narrowed your next vehicle down to 2 or 3 choices it is time to research. Take out a sheet of paper for each vehicle and write down pros and cons for each one. Also on each sheet of paper list the attributes which are most important to you. This list might include:
MPG - if you put a lot of miles on your car this factor could make a big dent in your wallet if you pick the wrong car.
Engine power - HP is a big factor for many people out there.
Price - nothing needs to be said about this one.
Interior space
Repair costs - consider the average costs to repair a fender-bender.
Insurance costs - this is often overlooked by buyers and can catch you by surprise.
Standard options.
Anything else, which is a factor to you. The idea is to custom tailor your list to meet your needs. If you don't care about engine power then leave it off your list.
Now how do you get the information which is on your list? Here is a list of excellent resources to use in your search.
Offline:
* Consumer Reports Magazine
* Auto Week magazine
* Your local newspaper's auto section
* Local dealers
Online:
* Consumer Reports - requires a subscription just like the magazine.
* Edmunds.com
* Kelly Blue Book
* NADA guide book
* Car.com
After your research is done you should have a clear picture of which car is right for you. What do you say? Clear as mud? Well take a step back and if you have 2 vehicles which are comparable you will then have to resort to one of the following.
Go with your gut feeling. You know the one which says get the Porsche not the Yugo. Ask your wife, husband or SO. (you might want to let them in on the decision a little earlier than this if they will be driving the car too.) Flip a coin. Ask your god for some divine intervention?
Good luck!
About The Author
Kevin Schappell maintains http://www.carbuyersclub.com where he gives advice on car maintenance, buying, selling, insurance, and financing. A mechanical engineer and car guy, Kevin has decided to spend his online time helping others learn about automobiles.
kevin@schappell.com
by: Kevin Schappell
Researching your new vehicle is a daunting task in today's world. Once you have narrowed your next vehicle down to 2 or 3 choices it is time to research. Take out a sheet of paper for each vehicle and write down pros and cons for each one. Also on each sheet of paper list the attributes which are most important to you. This list might include:
MPG - if you put a lot of miles on your car this factor could make a big dent in your wallet if you pick the wrong car.
Engine power - HP is a big factor for many people out there.
Price - nothing needs to be said about this one.
Interior space
Repair costs - consider the average costs to repair a fender-bender.
Insurance costs - this is often overlooked by buyers and can catch you by surprise.
Standard options.
Anything else, which is a factor to you. The idea is to custom tailor your list to meet your needs. If you don't care about engine power then leave it off your list.
Now how do you get the information which is on your list? Here is a list of excellent resources to use in your search.
Offline:
* Consumer Reports Magazine
* Auto Week magazine
* Your local newspaper's auto section
* Local dealers
Online:
* Consumer Reports - requires a subscription just like the magazine.
* Edmunds.com
* Kelly Blue Book
* NADA guide book
* Car.com
After your research is done you should have a clear picture of which car is right for you. What do you say? Clear as mud? Well take a step back and if you have 2 vehicles which are comparable you will then have to resort to one of the following.
Go with your gut feeling. You know the one which says get the Porsche not the Yugo. Ask your wife, husband or SO. (you might want to let them in on the decision a little earlier than this if they will be driving the car too.) Flip a coin. Ask your god for some divine intervention?
Good luck!
About The Author
Kevin Schappell maintains http://www.carbuyersclub.com where he gives advice on car maintenance, buying, selling, insurance, and financing. A mechanical engineer and car guy, Kevin has decided to spend his online time helping others learn about automobiles.
kevin@schappell.com
Replacement Exhaust and Headers at Parts Train: Simply the Best
Replacement Exhaust and Headers at Parts Train: Simply the Best
by: Jenny McLane
Control your car's speed and sound with high quality Ford Performance Parts from Parts Train. High performance Ford part like car exhaust mufflers and headers can transform your Ford into a customized machine. Moreover, these custom car parts can add up to 20+ HP to your car, truck or SUV. Learn how these slick aftermarket auto parts will turn heads by turning to Ford Taurus Performance Parts.
Parts Train's High Performance Ford Parts like lowering springs, shock absorbers and high performance suspension system guarantee the racing balanced handling you want. In addition, your new high performance auto parts can reduce your ground clearance, making your Ford look fast and sleek.
Ford parts from Parts Train like side marker light; corner light, fog lights and driving lights system come with all necessary installation hard wares. These added SUV fog lights, 4x4 off road lights, or fog lights system to gain a better visual on the dark road, no matter rain or snow.
Ford Parts may include A/C condenser, catalytic converter, clear side marker light, corner light, door glass, engine splash shield, front bumper, front fender, grill, header panel, headlight, hood, mirror, radiator, radiator support, rear bumper, side marker light, spoiler, starter, tail light, turn signal light, wheels, windshield and many more.
Ford auto part like the catalytic converter cleans up a gasoline-powered engine's exhaust. (Diesel engines do not use catalytic converters.) If a vehicle's catalytic converter is no longer functioning properly, it can be replaced with a high-flow unit that is less-restrictive, to reduce backpressure and improve the vehicle's gas mileage and performance.
With years of combined experience in selling premium quality auto parts, Parts Train has been the trusted and most reliable source of superb quality engine parts, electrical body parts and other auto parts. Shopping for excellent quality Ford automotive parts here in Parts train is easy and hassle-free. You can either browse our accessible user-friendly online parts list at http://www.partstrain.com/ShopByVehicle/FORD by make or part type. Ordering is a breeze, simply select the premium car parts you want and fill in your particulars at our secure checkout page.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
by: Jenny McLane
Control your car's speed and sound with high quality Ford Performance Parts from Parts Train. High performance Ford part like car exhaust mufflers and headers can transform your Ford into a customized machine. Moreover, these custom car parts can add up to 20+ HP to your car, truck or SUV. Learn how these slick aftermarket auto parts will turn heads by turning to Ford Taurus Performance Parts.
Parts Train's High Performance Ford Parts like lowering springs, shock absorbers and high performance suspension system guarantee the racing balanced handling you want. In addition, your new high performance auto parts can reduce your ground clearance, making your Ford look fast and sleek.
Ford parts from Parts Train like side marker light; corner light, fog lights and driving lights system come with all necessary installation hard wares. These added SUV fog lights, 4x4 off road lights, or fog lights system to gain a better visual on the dark road, no matter rain or snow.
Ford Parts may include A/C condenser, catalytic converter, clear side marker light, corner light, door glass, engine splash shield, front bumper, front fender, grill, header panel, headlight, hood, mirror, radiator, radiator support, rear bumper, side marker light, spoiler, starter, tail light, turn signal light, wheels, windshield and many more.
Ford auto part like the catalytic converter cleans up a gasoline-powered engine's exhaust. (Diesel engines do not use catalytic converters.) If a vehicle's catalytic converter is no longer functioning properly, it can be replaced with a high-flow unit that is less-restrictive, to reduce backpressure and improve the vehicle's gas mileage and performance.
With years of combined experience in selling premium quality auto parts, Parts Train has been the trusted and most reliable source of superb quality engine parts, electrical body parts and other auto parts. Shopping for excellent quality Ford automotive parts here in Parts train is easy and hassle-free. You can either browse our accessible user-friendly online parts list at http://www.partstrain.com/ShopByVehicle/FORD by make or part type. Ordering is a breeze, simply select the premium car parts you want and fill in your particulars at our secure checkout page.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
Raw Excitement for the Jeep Hurricane
Raw Excitement for the Jeep Hurricane
by: Jenny McLane
Designing a functional prototype from an idea in such a short time was challenging. It was a tremendous feeling when everything functioned as designed the first time” said Brett Wallihan, MillenWorks Design Engineer, “You just don’t expect a vehicle to rotate around its own axis like that. It was surreal.”
This statement summed up for the high praises and awe the crowd bestowed on the Jeep Hurricane took center stage at the Detroit auto show DaimlerChrysler Corporation press conference.
Innovative in style, the Jeep Hurricane included a centrally located twin-engine transfer case, in-board brakes, drive shafts, front and rear steering, and complete corner assemblies. It has a centrally located transfer case coupling power from both engines and distribute all wheel drive torque to each corner of the vehicle. The Jeep Hurricane's Shift-by-wire mechanisms allow the wheels on one side of the vehicle to run in reverse, which, coupled with split solid axles and 55 degrees front and rear wheel toe-in angles, allows the vehicle to rotate around its own axis.
Jeep Hurricane 2005 has Four Wheel and Crab Steering capability, with a combination of traditional and “steer by wire” technologies. The total of twenty inches of suspension travel was achieved through the use of a purpose-built front and rear double A-arm independent wishbone suspension with coil over dampers
Superior engineering describes the effort put into every inch of the Jeep Grand Cherokee by its grand designers -- the Millenworks. The new concept vehicle challenged the creative boundaries of MillenWorks’ engineering team and the result is amazing.
We have everything you need for your Jeep Hurricane at Parts Train
. Exterior and interior accessories, suspension and performance parts, restoration and body parts, travel accessories, and much more are found at our online store. Just go to http://www.partstrain.com/ShopByVehicle/JEEP. Quality products can now be purchased easily at our online shop. Find automotive equipment and accessories for almost any make or model and get low, everyday prices on almost anything you need.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
by: Jenny McLane
Designing a functional prototype from an idea in such a short time was challenging. It was a tremendous feeling when everything functioned as designed the first time” said Brett Wallihan, MillenWorks Design Engineer, “You just don’t expect a vehicle to rotate around its own axis like that. It was surreal.”
This statement summed up for the high praises and awe the crowd bestowed on the Jeep Hurricane took center stage at the Detroit auto show DaimlerChrysler Corporation press conference.
Innovative in style, the Jeep Hurricane included a centrally located twin-engine transfer case, in-board brakes, drive shafts, front and rear steering, and complete corner assemblies. It has a centrally located transfer case coupling power from both engines and distribute all wheel drive torque to each corner of the vehicle. The Jeep Hurricane's Shift-by-wire mechanisms allow the wheels on one side of the vehicle to run in reverse, which, coupled with split solid axles and 55 degrees front and rear wheel toe-in angles, allows the vehicle to rotate around its own axis.
Jeep Hurricane 2005 has Four Wheel and Crab Steering capability, with a combination of traditional and “steer by wire” technologies. The total of twenty inches of suspension travel was achieved through the use of a purpose-built front and rear double A-arm independent wishbone suspension with coil over dampers
Superior engineering describes the effort put into every inch of the Jeep Grand Cherokee by its grand designers -- the Millenworks. The new concept vehicle challenged the creative boundaries of MillenWorks’ engineering team and the result is amazing.
We have everything you need for your Jeep Hurricane at Parts Train
. Exterior and interior accessories, suspension and performance parts, restoration and body parts, travel accessories, and much more are found at our online store. Just go to http://www.partstrain.com/ShopByVehicle/JEEP. Quality products can now be purchased easily at our online shop. Find automotive equipment and accessories for almost any make or model and get low, everyday prices on almost anything you need.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
Raising the Teen Driving Age to 18
Raising the Teen Driving Age to 18
by: Melih Oztalay
This article is designed to raise the concern about teen driving fatalities and what can be done to drastically reduce this alarming statistic. While this article may be sensitive to some readers in certain industries, we would like to raise the question as to what can be done to make our teens better drivers and how to alert others on the road that a new driver is behind the wheel.
Our previous article raised the question of whether the driving age in the country needs to be raised to age 18. With more teen fatalities on the road each year than the amount of deaths reported from 9/11, we must consider changes to our laws governing teen driving. From another perspective one could say that the number of teen deaths on the roads in the U.S. are greater than the number of deaths reported of U.S. soldiers before and after the war in Iraq! Are our roads a war zone?
The National Highway Traffic Safety Administration reported 3,657 drivers aged 15 to 20 years killed in 2003. In 2002, the number killed in the same age range was 3,827. While one would never make light of 9/11, let us consider the amount of energy, government changes, money, war - to name just a few - put forth after 9/11. If only a fraction of this energy had been given to the teen driving problem, perhaps we could have reduced teen driving related deaths in 2002 and 2003 – a staggering total of 7,484.
Following is a combined statement from
- Gordon Booth, Chief Instructor of Drivetrain, Inc. in California, http://www.drivetrainusa.com, and
- Eddie Wren of Drive and Stay Alive in New York, http://www.driveandstayalive.com, regarding our teen driving problem:
“Research in several countries has shown not only that the younger people are when they start to drive the higher the chances of having a serious or fatal crash within the first year of driving, but also that a young person's brain is not fully developed until after the teenage years have passed, and that this, in turn, also reduces a young person's abilities as a safe driver.
Wisdom and any genuine desire to protect young people both undeniably dictate that it is better if teenagers do not start to drive until they are at least 17 or preferably 18 years old.
It is noticeable that if parents can hold back a female for 6 months, so they do not start driving until 17 or 18, then one sees them mature at least 12 months. With males a hold back of about a year equals a maturity increase of about 6 months.”
Inexperience, risk taking behavior, and immaturity are cited as primary reasons for these accidents. Increasing the driving age to 18 would not necessarily change all three primary reasons. Therefore, we must consider other possible solutions as well, such as the driving education process itself.
Driver Education Comparison
Comparing our driver education process with other countries is an important step in exploring possible solutions. Using Germany as an example, we were able to obtain the following information directly from the German driving school online at http://www.fahrschule.de
* First you must be at least 18 years of age.
* After you have completed the driver education course and school you are on probation for 2 years. During these 2 years a lesser driving violation would require you to re-take the driver education course. A more serious driving violation would call for your driver’s license to be revoked. In either case when your driver’s license has been granted once again you will be on probation for 4 years.
* The driver training course covers almost 28 hours of classroom education followed by 35 hours of driving school on the road to cover varying conditions of day, night and autobahn experience with an instructor.
The above only covers a small portion of the driving laws in Germany. It is evident, however, that the United States does not have these requirements.
How to drive a car?
Teen driver’s aside, it is reasonable to suggest that many adults who have had their driver’s license for years are not knowledgeable enough on how to drive a car. They may be traffic regulation experienced, but what about actually using the vehicle? During the driver education process we should include how to handle a car under different conditions -- road conditions for rain, snow, ice, what to do if you have to slam on the brakes at higher speeds, sudden unexpected responses requiring split second decisions, how to handle the automatic and manual transmissions – to name just a few.
This type of training can be performed in driver simulation courses that are currently available from RoadSafety.Com (http://www.roadsafety.com). Larry Selditz, President of RoadSafety.Com had this to tell us:
“For the past 18 months we have been involved in a research and development project to bring effective vehicle simulation to novice drivers and others. While simulators have been around for years, the operative word here is “effective”, science-based simulation. We recently completed the Research and Development phase of this project and are now in the process of helping to develop a cost effective commercially viable simulation product. One of our Vice Presidents, Mr. Fred Craft, is forming a new company utilizing the technology we helped develop. Fred is an industry expert in advanced vehicle simulation and I believe he would be an ideal contact for input for your article. I have forwarded a copy of your email to Fred.
I have always been a strong advocate of training and believe it is a key component to developing safe driving SKILLS. That is exactly what a simulator can help achieve. Our vehicle and driver monitoring system, a “black box”, is the key to developing safe driving HABITS. As my friend Ron Thackery, Vice President of Risk and Safety for American Medical Response, once told me “what you monitor you can control – what you don’t, you won’t”. That applies to teenagers as well as paramedics. American Medical response operates the largest fleet of ambulances in the world and uses our black box to control and improve driver performance. The same principles that have reduced the number of ambulance crashes by more than 90% are used in the “black box” we developed for teenage drivers.”
Economic Implications
The primary industries affected by increasing the driving age to 18 are the automotive manufacturers, auto insurance, gas and driving education companies. This basically covers the largest firms within the auto industry.
The automotive manufacturers would only see a delay in purchases by a factor of three years and only for the first three years that the driving age was raised to 18. Most 18 year olds would receive their driver’s licenses during the summer after graduating from high school.
The auto insurance companies would hopefully gain revenues by not having to pay out insurance claims due to car accidents created by the 15 – 18 old teens. The National Highway Traffic Safety Administration indicates approximately 300,000 motor vehicle crashes resulting in injuries for this age group per year, which is above the figures for the fatalities mentioned earlier in this article. Therefore, auto insurance industry would have a gain from raising the age limit and not having to pay out 900,000 claims from car accidents over a three year period from age 15 to 18.
Gasoline companies would see a reduction in their revenues with the reduction of gasoline usage. Whether 15 – 18 year old drivers generate a significant impact upon the revenues of gasoline companies is unsubstantiated as of this writing. However, it would be safe to surmise some level of reduction would be apparent. The reduction of emissions would indeed benefit our planet.
Driving schools would see the most significant impact. Short term they would lose business for the first 3 years. Those three years could be used, however, to help provide them support by both State and Federal governments. The amount of financial effort that has been put forth after 9/11 against terrorist continues to question if only a fraction could be used in this effort to help save our teenagers. During these three years, assisting them to prepare courses should be considered. Long term the driving schools would actually fair better as they would have more hours per student to charge.
Affects upon the Family
For parents with new teen drivers with permit licenses going through a state Graduated Driver Licensing (GDL) program, there will be no affect in the initial implementation of changing the driving age to 18. Parents with teens that have their operators license and who have allowed their teens to drive on their own will most likely find themselves having to continue to “chauffeur” their 16 – 18 year old teens to their various activities. While precious time would be encumbered, you can get comfort from the fact that your teen is still alive, your car is not damaged from an auto accident and your insurance has not doubled because of a teen driver on the policy.
What if we do not change the driving age?
I have a philosophy that the difference between utopia and reality is a choice. A choice by an individual or a group to make a change or move in a different direction. The statistics about teen driving require a change. If changing the driving age to 18 is too big of a leap today, then we can take smaller steps to help teens have better education and understand how to drive a car instead of blindly using a deadly weapon.
We need to review what the driving schools are asked to teach the students. The requirements need to include not only traffic safety, but car driving training under differing conditions. The number of hours required behind the wheel should equal the number of hours required for the course, which is currently around 30 hours. Parents would spend more money to achieve this, but the additional cost is insignificant compared to the lives of their loved ones.
Graduated Driver Licensing (GDL) should be a requirement nationwide and include a probationary period for all new drivers to last through age 18. Traffic violations during the probationary period should require re-taking the driver education course -not with adults that are in a defensive driving course, but with other teens. Asking the teen to re-take driver education through the same school they received their initial education would be a consideration. Tracking the teens that re-take driver education and the driving schools they attend would also help understand if there is a driving school that may not be properly educating the teens.
Driving school vehicles are always well marked while students are driving on the main roads. Unfortunately, that requirement does not extend to the family vehicle for new drivers in a GDL program. All family vehicles with a new teen driver should be required to have at least one label on the back of the car while the teen is driving and through age 18.
Bumper stickers are not always practical when a teen is occasionally driving the car and stick-on vinyl to the window does not address night-time driving issues. The technology exists today to use car magnets that are thick, reflective for the night and are durable. These types of car magnets can be found at Auto Safety Magnets. http://www.autosafetymagnets.com Identifying these almost 2 million vehicles on the road should be a requirement on a national level.
In Conclusion
We hope the above information was helpful to address the problems, the need, and identify options if the driving age remained status quo or if it were raised. We hope the information was comprehensive to show the economic implications and the hindrances to raising the driving age. With these alarming statistics why have state and federal governments, as well as, the automotive industry jumped to the rescue? Have financial issues during hard economic times been put ahead of our youth? We have to "cowboy-up" to a resolution about this national problem.
About the Author
Melih (may-lee) Oztalay, CEO
Auto Safety Magnets
Direct: (248) 568-2241
Web: http://www.autosafetymagnets.com
Newsletter: http://www.autosafetymagnets.com/newsletter.php
Blog: http://autosafetymagnets.blogspot.com
by: Melih Oztalay
This article is designed to raise the concern about teen driving fatalities and what can be done to drastically reduce this alarming statistic. While this article may be sensitive to some readers in certain industries, we would like to raise the question as to what can be done to make our teens better drivers and how to alert others on the road that a new driver is behind the wheel.
Our previous article raised the question of whether the driving age in the country needs to be raised to age 18. With more teen fatalities on the road each year than the amount of deaths reported from 9/11, we must consider changes to our laws governing teen driving. From another perspective one could say that the number of teen deaths on the roads in the U.S. are greater than the number of deaths reported of U.S. soldiers before and after the war in Iraq! Are our roads a war zone?
The National Highway Traffic Safety Administration reported 3,657 drivers aged 15 to 20 years killed in 2003. In 2002, the number killed in the same age range was 3,827. While one would never make light of 9/11, let us consider the amount of energy, government changes, money, war - to name just a few - put forth after 9/11. If only a fraction of this energy had been given to the teen driving problem, perhaps we could have reduced teen driving related deaths in 2002 and 2003 – a staggering total of 7,484.
Following is a combined statement from
- Gordon Booth, Chief Instructor of Drivetrain, Inc. in California, http://www.drivetrainusa.com, and
- Eddie Wren of Drive and Stay Alive in New York, http://www.driveandstayalive.com, regarding our teen driving problem:
“Research in several countries has shown not only that the younger people are when they start to drive the higher the chances of having a serious or fatal crash within the first year of driving, but also that a young person's brain is not fully developed until after the teenage years have passed, and that this, in turn, also reduces a young person's abilities as a safe driver.
Wisdom and any genuine desire to protect young people both undeniably dictate that it is better if teenagers do not start to drive until they are at least 17 or preferably 18 years old.
It is noticeable that if parents can hold back a female for 6 months, so they do not start driving until 17 or 18, then one sees them mature at least 12 months. With males a hold back of about a year equals a maturity increase of about 6 months.”
Inexperience, risk taking behavior, and immaturity are cited as primary reasons for these accidents. Increasing the driving age to 18 would not necessarily change all three primary reasons. Therefore, we must consider other possible solutions as well, such as the driving education process itself.
Driver Education Comparison
Comparing our driver education process with other countries is an important step in exploring possible solutions. Using Germany as an example, we were able to obtain the following information directly from the German driving school online at http://www.fahrschule.de
* First you must be at least 18 years of age.
* After you have completed the driver education course and school you are on probation for 2 years. During these 2 years a lesser driving violation would require you to re-take the driver education course. A more serious driving violation would call for your driver’s license to be revoked. In either case when your driver’s license has been granted once again you will be on probation for 4 years.
* The driver training course covers almost 28 hours of classroom education followed by 35 hours of driving school on the road to cover varying conditions of day, night and autobahn experience with an instructor.
The above only covers a small portion of the driving laws in Germany. It is evident, however, that the United States does not have these requirements.
How to drive a car?
Teen driver’s aside, it is reasonable to suggest that many adults who have had their driver’s license for years are not knowledgeable enough on how to drive a car. They may be traffic regulation experienced, but what about actually using the vehicle? During the driver education process we should include how to handle a car under different conditions -- road conditions for rain, snow, ice, what to do if you have to slam on the brakes at higher speeds, sudden unexpected responses requiring split second decisions, how to handle the automatic and manual transmissions – to name just a few.
This type of training can be performed in driver simulation courses that are currently available from RoadSafety.Com (http://www.roadsafety.com). Larry Selditz, President of RoadSafety.Com had this to tell us:
“For the past 18 months we have been involved in a research and development project to bring effective vehicle simulation to novice drivers and others. While simulators have been around for years, the operative word here is “effective”, science-based simulation. We recently completed the Research and Development phase of this project and are now in the process of helping to develop a cost effective commercially viable simulation product. One of our Vice Presidents, Mr. Fred Craft, is forming a new company utilizing the technology we helped develop. Fred is an industry expert in advanced vehicle simulation and I believe he would be an ideal contact for input for your article. I have forwarded a copy of your email to Fred.
I have always been a strong advocate of training and believe it is a key component to developing safe driving SKILLS. That is exactly what a simulator can help achieve. Our vehicle and driver monitoring system, a “black box”, is the key to developing safe driving HABITS. As my friend Ron Thackery, Vice President of Risk and Safety for American Medical Response, once told me “what you monitor you can control – what you don’t, you won’t”. That applies to teenagers as well as paramedics. American Medical response operates the largest fleet of ambulances in the world and uses our black box to control and improve driver performance. The same principles that have reduced the number of ambulance crashes by more than 90% are used in the “black box” we developed for teenage drivers.”
Economic Implications
The primary industries affected by increasing the driving age to 18 are the automotive manufacturers, auto insurance, gas and driving education companies. This basically covers the largest firms within the auto industry.
The automotive manufacturers would only see a delay in purchases by a factor of three years and only for the first three years that the driving age was raised to 18. Most 18 year olds would receive their driver’s licenses during the summer after graduating from high school.
The auto insurance companies would hopefully gain revenues by not having to pay out insurance claims due to car accidents created by the 15 – 18 old teens. The National Highway Traffic Safety Administration indicates approximately 300,000 motor vehicle crashes resulting in injuries for this age group per year, which is above the figures for the fatalities mentioned earlier in this article. Therefore, auto insurance industry would have a gain from raising the age limit and not having to pay out 900,000 claims from car accidents over a three year period from age 15 to 18.
Gasoline companies would see a reduction in their revenues with the reduction of gasoline usage. Whether 15 – 18 year old drivers generate a significant impact upon the revenues of gasoline companies is unsubstantiated as of this writing. However, it would be safe to surmise some level of reduction would be apparent. The reduction of emissions would indeed benefit our planet.
Driving schools would see the most significant impact. Short term they would lose business for the first 3 years. Those three years could be used, however, to help provide them support by both State and Federal governments. The amount of financial effort that has been put forth after 9/11 against terrorist continues to question if only a fraction could be used in this effort to help save our teenagers. During these three years, assisting them to prepare courses should be considered. Long term the driving schools would actually fair better as they would have more hours per student to charge.
Affects upon the Family
For parents with new teen drivers with permit licenses going through a state Graduated Driver Licensing (GDL) program, there will be no affect in the initial implementation of changing the driving age to 18. Parents with teens that have their operators license and who have allowed their teens to drive on their own will most likely find themselves having to continue to “chauffeur” their 16 – 18 year old teens to their various activities. While precious time would be encumbered, you can get comfort from the fact that your teen is still alive, your car is not damaged from an auto accident and your insurance has not doubled because of a teen driver on the policy.
What if we do not change the driving age?
I have a philosophy that the difference between utopia and reality is a choice. A choice by an individual or a group to make a change or move in a different direction. The statistics about teen driving require a change. If changing the driving age to 18 is too big of a leap today, then we can take smaller steps to help teens have better education and understand how to drive a car instead of blindly using a deadly weapon.
We need to review what the driving schools are asked to teach the students. The requirements need to include not only traffic safety, but car driving training under differing conditions. The number of hours required behind the wheel should equal the number of hours required for the course, which is currently around 30 hours. Parents would spend more money to achieve this, but the additional cost is insignificant compared to the lives of their loved ones.
Graduated Driver Licensing (GDL) should be a requirement nationwide and include a probationary period for all new drivers to last through age 18. Traffic violations during the probationary period should require re-taking the driver education course -not with adults that are in a defensive driving course, but with other teens. Asking the teen to re-take driver education through the same school they received their initial education would be a consideration. Tracking the teens that re-take driver education and the driving schools they attend would also help understand if there is a driving school that may not be properly educating the teens.
Driving school vehicles are always well marked while students are driving on the main roads. Unfortunately, that requirement does not extend to the family vehicle for new drivers in a GDL program. All family vehicles with a new teen driver should be required to have at least one label on the back of the car while the teen is driving and through age 18.
Bumper stickers are not always practical when a teen is occasionally driving the car and stick-on vinyl to the window does not address night-time driving issues. The technology exists today to use car magnets that are thick, reflective for the night and are durable. These types of car magnets can be found at Auto Safety Magnets. http://www.autosafetymagnets.com Identifying these almost 2 million vehicles on the road should be a requirement on a national level.
In Conclusion
We hope the above information was helpful to address the problems, the need, and identify options if the driving age remained status quo or if it were raised. We hope the information was comprehensive to show the economic implications and the hindrances to raising the driving age. With these alarming statistics why have state and federal governments, as well as, the automotive industry jumped to the rescue? Have financial issues during hard economic times been put ahead of our youth? We have to "cowboy-up" to a resolution about this national problem.
About the Author
Melih (may-lee) Oztalay, CEO
Auto Safety Magnets
Direct: (248) 568-2241
Web: http://www.autosafetymagnets.com
Newsletter: http://www.autosafetymagnets.com/newsletter.php
Blog: http://autosafetymagnets.blogspot.com
Putting Your Palace To Bed
Putting Your Palace To Bed
by: News Canada
(NC) —If you're a sailor, there are few things as precious as your boat. Power or sail, whatever the size, your boat is your escape, your refuge, your palace. Below are a few tips on protecting that refuge from old man winter.
Boat In the Water
Fill fuel tanks, add stabilizer.
Change engine oil and filters, always using brand name products from known marine specialists, like Castrol.
Winterize head, holding tank and fresh water system by draining or filling with non-toxic anti-freeze.
Winterize any other water using equipment.
Remove electronics, antennas and couplers. Spray and tape exposed cables.
Service cradle if necessary.
Boat On Dry Land
Lubricate or grease all systems requiring such.
Pump bilges completely dry, rinse with cleaner, empty again.
Charge batteries fully. Disconnect if leaving on boat.
Winterize engine and cooling system. Drain all water from engine block and any stern drives. Replace with storage antifreeze.
Clean fridge and/or ice box thoroughly.
Use mildewcide or anti-fungus products liberally.
Leave lockers and hatches open where possible. Leave bilge access open.
Be sure the entire boat has access to plenty of fresh air.
And if you're really gung-ho, you can do all that important exterior stuff like varnishing and washing the hull.
A wealth of interesting and valuable information on motor oils and lubricants can be found at http://www.castrolcanada.com/ or other well known petroleum web sites.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
(NC) —If you're a sailor, there are few things as precious as your boat. Power or sail, whatever the size, your boat is your escape, your refuge, your palace. Below are a few tips on protecting that refuge from old man winter.
Boat In the Water
Fill fuel tanks, add stabilizer.
Change engine oil and filters, always using brand name products from known marine specialists, like Castrol.
Winterize head, holding tank and fresh water system by draining or filling with non-toxic anti-freeze.
Winterize any other water using equipment.
Remove electronics, antennas and couplers. Spray and tape exposed cables.
Service cradle if necessary.
Boat On Dry Land
Lubricate or grease all systems requiring such.
Pump bilges completely dry, rinse with cleaner, empty again.
Charge batteries fully. Disconnect if leaving on boat.
Winterize engine and cooling system. Drain all water from engine block and any stern drives. Replace with storage antifreeze.
Clean fridge and/or ice box thoroughly.
Use mildewcide or anti-fungus products liberally.
Leave lockers and hatches open where possible. Leave bilge access open.
Be sure the entire boat has access to plenty of fresh air.
And if you're really gung-ho, you can do all that important exterior stuff like varnishing and washing the hull.
A wealth of interesting and valuable information on motor oils and lubricants can be found at http://www.castrolcanada.com/ or other well known petroleum web sites.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Putting The Brakes On Road Rage
Putting The Brakes On Road Rage
by: News Canada
Research project drives anger to the curb
(NC)—Has the driver in front of you ever slammed on the breaks for no apparent reason? Why do slowpokes always land in the fast lane? Is signaling to change lanes a thing of the past?
It is easy to predict what can make people angry behind the wheel. The real value is in figuring out what calms people back down.
"Understanding the anger cycle is going to benefit those who plan public road safety campaigns and driver education programs," says Wolfgang Linden, a professor of psychology at the University of British Columbia. His research, funded by the Social Sciences and Humanities Research Council (SSHRC), looks at what makes people angry, how they respond to it and how they recover from it.
Provoking anger in the real world in order to study it is dangerous and unethical, so Linden and his research team turn to virtual-reality driving simulators—the same as those used for head-injury patients who prepare to return to open-road driving. The simulated environment is not only safe, but also cost-effective and environmentally friendly.
"People react to stressful situations in different ways," Linden continues. "By provoking people in a controlled environment, we can watch how they react in response. Then we can start to make the links between anger, stress and disease."
You'll find more information about projects supported by SSRHC on the Council's Web site at www.sshrc.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
Research project drives anger to the curb
(NC)—Has the driver in front of you ever slammed on the breaks for no apparent reason? Why do slowpokes always land in the fast lane? Is signaling to change lanes a thing of the past?
It is easy to predict what can make people angry behind the wheel. The real value is in figuring out what calms people back down.
"Understanding the anger cycle is going to benefit those who plan public road safety campaigns and driver education programs," says Wolfgang Linden, a professor of psychology at the University of British Columbia. His research, funded by the Social Sciences and Humanities Research Council (SSHRC), looks at what makes people angry, how they respond to it and how they recover from it.
Provoking anger in the real world in order to study it is dangerous and unethical, so Linden and his research team turn to virtual-reality driving simulators—the same as those used for head-injury patients who prepare to return to open-road driving. The simulated environment is not only safe, but also cost-effective and environmentally friendly.
"People react to stressful situations in different ways," Linden continues. "By provoking people in a controlled environment, we can watch how they react in response. Then we can start to make the links between anger, stress and disease."
You'll find more information about projects supported by SSRHC on the Council's Web site at www.sshrc.ca.
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Prepare Young Drivers For Safe Winter Travel
Prepare Young Drivers For Safe Winter Travel
by: News Canada
(NC)—Many young drivers will venture onto the roads this winter season, some for the first time. In fact, there are almost 3 million drivers in Canada between the ages of 16 and 24.2 That's why it's important for parents to prepare teenagers and young drivers for the difficult winter months, by making sure their vehicles are properly maintained and they've been given helpful instructions and well-stocked emergency kits.
First and foremost, have their vehicles checked thoroughly. Belts, hoses, water pumps, batteries and spark plugs need to be properly maintained. Winter tends to magnify any problems a vehicle might have. One simple routine that helps maintain fuel efficiency and engine performance is spark plug maintenance. "Too many people underestimate the power and importance of a spark plug, but it's exposed to more severe stress than any other part of the engine," says Peg Campbelton, Brand Manager for Autolite.
A spark plug must deliver a high voltage spark within split second timing, thousands of times a minute and under extremely varying, always hostile, operating conditions. Campbelton suggests having the vehicle's spark plugs changed every 48,000 kilometers, or in accordance with the owner's manual. Using premium, platinum-tipped plugs, such as Autolite® Double Platinum spark plugs, is also a good idea.
Once a thorough under-the-hood inspection is complete, make sure your new driver checks their tire tread and windshield wipers as well as fluid levels like washer solvent and antifreeze/ coolant. Many motorists are under the impression that antifreeze/coolant is only needed in the warmer season to avoid overheating, but the proper mixture is necessary to avoid engine freeze-ups in frigid temperatures. A recommended concentration of 50% Prestone solution protects your vehicle down to –36.8C. Prestone antifreeze can be adjusted to give protection down to –64.4C if it is required.
Windshield wipers and washer fluid are also vital. It's a good idea to switch to a winter wiper blade. They are more durable and designed to handle the snow and ice better than a regular blade. If wipers aren't working properly or if there's a lack of fluid in the reservoir, the combination of salt, ice and sleet may reduce the driver's ability to see other vehicles or objects in the road. Use a concentrated washer fluid additive designed specifically for cold weather driving, such as Prestone‚ Windshield Heat' De-Icer Concentrate Additive. Unlike many "blue" washer fluids that aren't as effective in extreme cold, this concentrated deicer melts frost and light ice and boosts the freeze protection of your regular washer fluid. It also guards against re-freeze on windshields. "For those who park outside, a concentrated windshield washer additive with a deicer product makes a lot of sense for those early morning drives to school in the late fall and into the winter months," states Megan Currie, Prestone Brand Manager.
Remind new drivers to turn on their headlights any time they use their windshield wipers. It will help improve visibility and allow them to be seen better by other drivers. Emphasize the importance of clearing off the entire car, not just a portion. If the entire vehicle hasn't been cleared properly, it creates hazardous situations for your child when they are driving, and for other motorists on the road. It is also a good safety precaution to keep more than a half tank of gas in the vehicle during the cold weather season. It'll be the only source of heat if somebody is stranded.
Although these preventative maintenance tips do help, they by no means serve as a complete deterrent to potential problems. Prepare for a roadside emergency with a special winter kit that includes:
A cell phone – for calling you in case of emergency
A portable jump starter – in case of a dead battery, they won't be stranded alone in the cold
A flashlight and extra batteries
Emergency flares – so other motorists can see their vehicle
Sand bags – highly recommended for vehicles with rear-wheel drive
A tire inflator and sealer
Warm clothes and blankets
Extra de-icer washer fluid and a spray de-icer
Ice scraper with a snow brush
Tire traction product
Shovel
Even though young people today are always on the go, emphasize the significance of these safety tips. It may change what could be a disastrous situation into a simple inconvenience.
2 Source: Statistics Canada, Transportation Division 2000
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
by: News Canada
(NC)—Many young drivers will venture onto the roads this winter season, some for the first time. In fact, there are almost 3 million drivers in Canada between the ages of 16 and 24.2 That's why it's important for parents to prepare teenagers and young drivers for the difficult winter months, by making sure their vehicles are properly maintained and they've been given helpful instructions and well-stocked emergency kits.
First and foremost, have their vehicles checked thoroughly. Belts, hoses, water pumps, batteries and spark plugs need to be properly maintained. Winter tends to magnify any problems a vehicle might have. One simple routine that helps maintain fuel efficiency and engine performance is spark plug maintenance. "Too many people underestimate the power and importance of a spark plug, but it's exposed to more severe stress than any other part of the engine," says Peg Campbelton, Brand Manager for Autolite.
A spark plug must deliver a high voltage spark within split second timing, thousands of times a minute and under extremely varying, always hostile, operating conditions. Campbelton suggests having the vehicle's spark plugs changed every 48,000 kilometers, or in accordance with the owner's manual. Using premium, platinum-tipped plugs, such as Autolite® Double Platinum spark plugs, is also a good idea.
Once a thorough under-the-hood inspection is complete, make sure your new driver checks their tire tread and windshield wipers as well as fluid levels like washer solvent and antifreeze/ coolant. Many motorists are under the impression that antifreeze/coolant is only needed in the warmer season to avoid overheating, but the proper mixture is necessary to avoid engine freeze-ups in frigid temperatures. A recommended concentration of 50% Prestone solution protects your vehicle down to –36.8C. Prestone antifreeze can be adjusted to give protection down to –64.4C if it is required.
Windshield wipers and washer fluid are also vital. It's a good idea to switch to a winter wiper blade. They are more durable and designed to handle the snow and ice better than a regular blade. If wipers aren't working properly or if there's a lack of fluid in the reservoir, the combination of salt, ice and sleet may reduce the driver's ability to see other vehicles or objects in the road. Use a concentrated washer fluid additive designed specifically for cold weather driving, such as Prestone‚ Windshield Heat' De-Icer Concentrate Additive. Unlike many "blue" washer fluids that aren't as effective in extreme cold, this concentrated deicer melts frost and light ice and boosts the freeze protection of your regular washer fluid. It also guards against re-freeze on windshields. "For those who park outside, a concentrated windshield washer additive with a deicer product makes a lot of sense for those early morning drives to school in the late fall and into the winter months," states Megan Currie, Prestone Brand Manager.
Remind new drivers to turn on their headlights any time they use their windshield wipers. It will help improve visibility and allow them to be seen better by other drivers. Emphasize the importance of clearing off the entire car, not just a portion. If the entire vehicle hasn't been cleared properly, it creates hazardous situations for your child when they are driving, and for other motorists on the road. It is also a good safety precaution to keep more than a half tank of gas in the vehicle during the cold weather season. It'll be the only source of heat if somebody is stranded.
Although these preventative maintenance tips do help, they by no means serve as a complete deterrent to potential problems. Prepare for a roadside emergency with a special winter kit that includes:
A cell phone – for calling you in case of emergency
A portable jump starter – in case of a dead battery, they won't be stranded alone in the cold
A flashlight and extra batteries
Emergency flares – so other motorists can see their vehicle
Sand bags – highly recommended for vehicles with rear-wheel drive
A tire inflator and sealer
Warm clothes and blankets
Extra de-icer washer fluid and a spray de-icer
Ice scraper with a snow brush
Tire traction product
Shovel
Even though young people today are always on the go, emphasize the significance of these safety tips. It may change what could be a disastrous situation into a simple inconvenience.
2 Source: Statistics Canada, Transportation Division 2000
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
Parts Train's Replacement Parts, Aftermarket Parts proven to be of high quality
Parts Train's Replacement Parts, Aftermarket Parts proven to be of high quality
by: Jenny McLane
A vast selection of auto parts is available for car enthusiasts. These parts are either used or brand new, and prices vary, as there are some auto shops, which offer, discounted rates. Parts Train's radiator is intended to transport heat from your coolant to the air passing through it, so if your radiator is constantly overheating, maybe its time to get a new one. At Parts Train, radiators have the exact measurements and the size and thickness of the core, because there is nothing more frustrating than returning the part ordered and waiting for it to be replaced again. If you’re experiencing more bumps and thumps than before, check out your shocks because you may have worn them down. Shock absorbers can be easily replaced at Partstrain and it is important that you make sure that your shock absorbers are doing their job so your comfort will not be compromised.Parts Train's disk brakes are equally impressive. Older vehicles used brake drums but with the need for a more secure braking and safety systems, car manufacturers have turned to disc brakes. For High performance disc brakes for your Volvo, search for a new one at http://www.partstrain.com/ShopByVehicle/VOLVO .With years of combined experience in selling premium quality auto parts, Parts Train has been the trusted and most reliable source of superb quality engine parts, electrical body parts and other auto parts. Shopping for excellent quality automotive parts here in Partstrain is easy and hassle-free. You can either browse our accessible user-friendly online parts list by make or part type. Ordering is a breeze, simply select the premium car parts you want and fill in your particulars at its secure checkout page.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
by: Jenny McLane
A vast selection of auto parts is available for car enthusiasts. These parts are either used or brand new, and prices vary, as there are some auto shops, which offer, discounted rates. Parts Train's radiator is intended to transport heat from your coolant to the air passing through it, so if your radiator is constantly overheating, maybe its time to get a new one. At Parts Train, radiators have the exact measurements and the size and thickness of the core, because there is nothing more frustrating than returning the part ordered and waiting for it to be replaced again. If you’re experiencing more bumps and thumps than before, check out your shocks because you may have worn them down. Shock absorbers can be easily replaced at Partstrain and it is important that you make sure that your shock absorbers are doing their job so your comfort will not be compromised.Parts Train's disk brakes are equally impressive. Older vehicles used brake drums but with the need for a more secure braking and safety systems, car manufacturers have turned to disc brakes. For High performance disc brakes for your Volvo, search for a new one at http://www.partstrain.com/ShopByVehicle/VOLVO .With years of combined experience in selling premium quality auto parts, Parts Train has been the trusted and most reliable source of superb quality engine parts, electrical body parts and other auto parts. Shopping for excellent quality automotive parts here in Partstrain is easy and hassle-free. You can either browse our accessible user-friendly online parts list by make or part type. Ordering is a breeze, simply select the premium car parts you want and fill in your particulars at its secure checkout page.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
Parts Train now offers exceptional Power Vision Towing Mirrors
Parts Train now offers exceptional Power Vision Towing Mirrors
by: Jenny McLane
Power Vision Towing Mirrors are revolutionary 6-way power towing mirrors that provide the safest, most convenient solution to rear view trailer needs for virtually any late model truck.The mirror has a significantly larger viewing area than the stock power mirrors, and has less vibration. In addition to the usual 4-way power adjustment, the new mirrors have a motorized in-out adjustment, which will move them close to the vehicle for non-towing use, or extend them outward six inches for towing.If your truck comes with factory installed mirror heating, Partstrain also offers heated versions of the mirrors for continued frost-free rear views.Other towing mirrors have substantial vibration. As they aged, the extension mirror adjustment began to slip out of position on bumpy roads. Worse, after years of use, the extra weight and vibration of the slide-on mirror destroyed the breakaway cam for the driver's side original power mirror, so that the extra windage of the slide-on mirror and the worn breakaway cam caused the mirror to fold against the truck in strong head winds, or when passed by a big truck.To use Parts train's Power Vision Towing mirror, the power adjustment is a major convenience, just press a switch and the mirrors retract. Install power mirrors in your vehicles and see the difference. For the most trusted and most reliable source of superb quality engine parts, electrical body parts and other auto parts, there is no other car parts online supplier than Partstrain. Its well-stocked array of Ford premium quality automotive parts and car body parts as well as the finest car accessories and truck accessories can be found at http://www.partstrain.com/ShopByVehicle/FORD . All of these and many other performance parts come in great discount prices that would surely fit you budget.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
by: Jenny McLane
Power Vision Towing Mirrors are revolutionary 6-way power towing mirrors that provide the safest, most convenient solution to rear view trailer needs for virtually any late model truck.The mirror has a significantly larger viewing area than the stock power mirrors, and has less vibration. In addition to the usual 4-way power adjustment, the new mirrors have a motorized in-out adjustment, which will move them close to the vehicle for non-towing use, or extend them outward six inches for towing.If your truck comes with factory installed mirror heating, Partstrain also offers heated versions of the mirrors for continued frost-free rear views.Other towing mirrors have substantial vibration. As they aged, the extension mirror adjustment began to slip out of position on bumpy roads. Worse, after years of use, the extra weight and vibration of the slide-on mirror destroyed the breakaway cam for the driver's side original power mirror, so that the extra windage of the slide-on mirror and the worn breakaway cam caused the mirror to fold against the truck in strong head winds, or when passed by a big truck.To use Parts train's Power Vision Towing mirror, the power adjustment is a major convenience, just press a switch and the mirrors retract. Install power mirrors in your vehicles and see the difference. For the most trusted and most reliable source of superb quality engine parts, electrical body parts and other auto parts, there is no other car parts online supplier than Partstrain. Its well-stocked array of Ford premium quality automotive parts and car body parts as well as the finest car accessories and truck accessories can be found at http://www.partstrain.com/ShopByVehicle/FORD . All of these and many other performance parts come in great discount prices that would surely fit you budget.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
Parts Train Expands Facility to serve your Auto Parts needs
Parts Train Expands Facility to serve your Auto Parts needs
by: Jenny McLane
Parts Train continues to position itself as the leading source of high quality auto parts for almost all makes, domestic or import. Parts Train is the nation's leading internet direct marketer of automotive aftermarket collision replacement parts and accessories. It has provided excellent auto parts to repair shops, auto mechanics, and installation outlets, even to do-it-yourself consumers. Parts Train maintains a very comprehensive catalogue of parts and accessories in its modern and complete facilities. Recently, to serve further the needs of its growing consumer base, Parts Train has expanded its facility by 40,000 square feet. This state-of-the-art facility will accommodate the company's continually growing parts supply and employee base.With over 12 million visitors annually, Parts Train is fast becoming the industry leader when it comes to internet direct marketing of quality auto parts. Parts Train carries over 26,000 part numbers representing over 75,000 unique product applications by vehicle make, model and year. In addition, Parts Train, powered by usautoparts.com continues to record high website traffic in the past few months. Parts Train has also experienced impressive growth in the past year, outpacing the industry's overall performance. All these positive developments have spurred the company to expand its facilities to improve and streamline its service for the satisfaction of its growing consumer base.Parts Train has a wide array of automotive replacement parts that are sourced from the most trusted and recognized auto parts manufacturers and suppliers in the industry with ISO-9001 and ISO-9002 certification and more. From Acura to Volvo, Parts Train has the right part for you at just the right price you can absolutely afford. Parts Train has the most extensive catalog of Ford Parts such as Ford Mustang Parts, Ford Ranger Parts, Ford F150 Parts, Ford Focus Parts and others. Every Ford Part that Parts Train offers is guaranteed to be of excellent quality and dependability. You can check out Parts Train's extensive Ford Parts catalog at http://www.partstrain.com/ShopByVehicle/FORD. Here you can browse through Parts Train's easy to use online store and have your Ford Part purchase delivered to your address. Indeed, Parts Train is your reliable and dependable auto parts supplier with competitive prices and excellent professional service.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
by: Jenny McLane
Parts Train continues to position itself as the leading source of high quality auto parts for almost all makes, domestic or import. Parts Train is the nation's leading internet direct marketer of automotive aftermarket collision replacement parts and accessories. It has provided excellent auto parts to repair shops, auto mechanics, and installation outlets, even to do-it-yourself consumers. Parts Train maintains a very comprehensive catalogue of parts and accessories in its modern and complete facilities. Recently, to serve further the needs of its growing consumer base, Parts Train has expanded its facility by 40,000 square feet. This state-of-the-art facility will accommodate the company's continually growing parts supply and employee base.With over 12 million visitors annually, Parts Train is fast becoming the industry leader when it comes to internet direct marketing of quality auto parts. Parts Train carries over 26,000 part numbers representing over 75,000 unique product applications by vehicle make, model and year. In addition, Parts Train, powered by usautoparts.com continues to record high website traffic in the past few months. Parts Train has also experienced impressive growth in the past year, outpacing the industry's overall performance. All these positive developments have spurred the company to expand its facilities to improve and streamline its service for the satisfaction of its growing consumer base.Parts Train has a wide array of automotive replacement parts that are sourced from the most trusted and recognized auto parts manufacturers and suppliers in the industry with ISO-9001 and ISO-9002 certification and more. From Acura to Volvo, Parts Train has the right part for you at just the right price you can absolutely afford. Parts Train has the most extensive catalog of Ford Parts such as Ford Mustang Parts, Ford Ranger Parts, Ford F150 Parts, Ford Focus Parts and others. Every Ford Part that Parts Train offers is guaranteed to be of excellent quality and dependability. You can check out Parts Train's extensive Ford Parts catalog at http://www.partstrain.com/ShopByVehicle/FORD. Here you can browse through Parts Train's easy to use online store and have your Ford Part purchase delivered to your address. Indeed, Parts Train is your reliable and dependable auto parts supplier with competitive prices and excellent professional service.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
Outside Pressures On The Typical Insurance Adjuster
Outside Pressures On The Typical Insurance Adjuster
by: Dan Baldyga
Insurance adjusters are not without outside pressures they must deal with every day of their work life. It would be advantageous for all readers to be aware of the most important of these because they could put money in your bank.
The first of these is your State Department Of Insurance. Every state has a Department, or Commissioner, or Bureau of Insurance that overseas the antics of all Insurance Claims Adjusters and their superiors in that particular state. Each has a Consumer Complaint Division. If the adjuster you’ve been dealing with has refused to make any offer at all, has engaged in what you consider to be unethical conduct, or has made what you believe to be a ridiculously low offer, you have cause for a complaint.
The mere mention of a complaint to the State Department of Insurance may bring the adjuster around to making a better offer. Adjusters would rather not have to deal with a complaint and they positively don’t want copies of them ending up in their personnel file !
Your complaint to the State Insurance Department will accomplish several things. First, his boss will now become aware that there’s a claimant who intends to do whatever it takes to obtain some positive settlement dollars. That will often inspire that person to take a closer look at your case and come up with a better offer. Also, if indeed you write to the Consumer Complaints Division, it will evolve into what’s always a costly effort because a complaint with the State Insurance Department will add an additionallayer of work, supervised by an extra contingent of personnel. When it’s realized this will likely come to pass they’ll try harder to get rid of you and settle your claim.
The vast majority of insurance adjusters dream of one day being promoted to a higher position within the company they work for. They're acutely aware of the fact if their personnel file has correspondence flowing into it from claimants they've handled(plus copies of the letters which have been sent to the insurance commissioner) and those will, somewhere down the line, be read by one of his companies executives. In many instances this will be a man who doesn’t want a “Problem” claims employee spluttering, splashing and crashing about his office area causing headaches and extra work within the framework of that particular executive’s command. The adjuster is fully aware that such complaints will keep him, out on the road forever,and will surely prevent him from moving up the corporate ladder.
OTHER CRUCIAL ISSUES THAT THE ADJUSTER IS AWARE OF
When it comes to the reality of the way things work in the actual, daily, experience of personal injury claim negotiations and settlement, is often vastly different from the stipulations found in the “Formal law”. That is, legal theory, as it’s written and allegedly supposed to work. What this means, simply stated, is: Adjusters can settle a case, whether their decision to do so is based on “The Law”, or not.
In the real world of Personal Injury settlements a “Compromise” (one which often has little and often nothing to do with "The Law") is the order of the day. It’s commonly accepted among those is the business (because that’s what makes their work life so much easier) that in any given case there’s almost always a likelihood of negligence on both sides, rather than just one. What this boils down to in practical terms, is this: Irregardless of the law practically no claim is without merit or totally lacking in value - - especially if the “Value” is simply to “get rid of it”. QUESTION: "How does Dan Baldyga know this to be true?" ANSWER: "Because he was an Insurance Adjuster, Supervisor, Manager and then Trial Assistant for over 30 years. He's been there, and observed that."
Although it’s never expressed to him “officially” every adjuster quickly learns, should your case go to trail, compromise will usually be the order of the day, even in cases of questionable liability . This fact alone gives him plenty of room to make a compromise settlement before your case ends up in his Defense Attorney’s hands where such a move will usually take place anyways! Why will this come to pass? Because the costs of preparing for(and then proceeding into)a courtroom battle will skyrocket.
Being aware of this is always bubbling and boiling in the gray matter between every adjusters ears. If there’s any question whatsoever (regarding who was at fault in the accident you were involved in) don’t ever give up. Keep pounding away! When faced with a determined claimant who’s willing to wait and haggle and refuses to go away, the chances are the adjuster will eventually make an offer.
This comes to pass because the adjuster(especially if your claim has some value) doesn’t want it to end up as a complaint at the State Department Of Insurance. Plus he knows you’ll be made, a settlement offer, somewhere down the line, anyway! So, better he settle it now, before the cost of defending it gets blown out of proportion, later.
In order to continue to look good (especially to those who watch their progress and the way they handle the outside pressure’s that haunt every one of them)insurance adjusters - - who want to climb their corporate ladder to success - - must be very cagey individuals who must work hard to please those they work for. For you to understand this will most assuredly be to your financial advantage.
Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved
DISCLAIMER: This insurance claim article, OUTSIDE PRESSURES ON THE TYPICAL INSURANCE ADJUSTER is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever, NOR does he purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL’S RESPONSIBILITY to obtain it.
Dan Baldyga’s third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com. or http://www.caraccidentclaims.com. This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury.
Dan Baldyga - Author
19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733-0127 FAX: (413) 731-8358
Mail To: dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found On The Internet At: http://www.caraccidentclaims.com
Or: http://autoaccidentclaims.com
About The Author
For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and trial assistant.He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so the will not be taken advantage of. Mail to: dbpaw@comcast.net
by: Dan Baldyga
Insurance adjusters are not without outside pressures they must deal with every day of their work life. It would be advantageous for all readers to be aware of the most important of these because they could put money in your bank.
The first of these is your State Department Of Insurance. Every state has a Department, or Commissioner, or Bureau of Insurance that overseas the antics of all Insurance Claims Adjusters and their superiors in that particular state. Each has a Consumer Complaint Division. If the adjuster you’ve been dealing with has refused to make any offer at all, has engaged in what you consider to be unethical conduct, or has made what you believe to be a ridiculously low offer, you have cause for a complaint.
The mere mention of a complaint to the State Department of Insurance may bring the adjuster around to making a better offer. Adjusters would rather not have to deal with a complaint and they positively don’t want copies of them ending up in their personnel file !
Your complaint to the State Insurance Department will accomplish several things. First, his boss will now become aware that there’s a claimant who intends to do whatever it takes to obtain some positive settlement dollars. That will often inspire that person to take a closer look at your case and come up with a better offer. Also, if indeed you write to the Consumer Complaints Division, it will evolve into what’s always a costly effort because a complaint with the State Insurance Department will add an additionallayer of work, supervised by an extra contingent of personnel. When it’s realized this will likely come to pass they’ll try harder to get rid of you and settle your claim.
The vast majority of insurance adjusters dream of one day being promoted to a higher position within the company they work for. They're acutely aware of the fact if their personnel file has correspondence flowing into it from claimants they've handled(plus copies of the letters which have been sent to the insurance commissioner) and those will, somewhere down the line, be read by one of his companies executives. In many instances this will be a man who doesn’t want a “Problem” claims employee spluttering, splashing and crashing about his office area causing headaches and extra work within the framework of that particular executive’s command. The adjuster is fully aware that such complaints will keep him, out on the road forever,and will surely prevent him from moving up the corporate ladder.
OTHER CRUCIAL ISSUES THAT THE ADJUSTER IS AWARE OF
When it comes to the reality of the way things work in the actual, daily, experience of personal injury claim negotiations and settlement, is often vastly different from the stipulations found in the “Formal law”. That is, legal theory, as it’s written and allegedly supposed to work. What this means, simply stated, is: Adjusters can settle a case, whether their decision to do so is based on “The Law”, or not.
In the real world of Personal Injury settlements a “Compromise” (one which often has little and often nothing to do with "The Law") is the order of the day. It’s commonly accepted among those is the business (because that’s what makes their work life so much easier) that in any given case there’s almost always a likelihood of negligence on both sides, rather than just one. What this boils down to in practical terms, is this: Irregardless of the law practically no claim is without merit or totally lacking in value - - especially if the “Value” is simply to “get rid of it”. QUESTION: "How does Dan Baldyga know this to be true?" ANSWER: "Because he was an Insurance Adjuster, Supervisor, Manager and then Trial Assistant for over 30 years. He's been there, and observed that."
Although it’s never expressed to him “officially” every adjuster quickly learns, should your case go to trail, compromise will usually be the order of the day, even in cases of questionable liability . This fact alone gives him plenty of room to make a compromise settlement before your case ends up in his Defense Attorney’s hands where such a move will usually take place anyways! Why will this come to pass? Because the costs of preparing for(and then proceeding into)a courtroom battle will skyrocket.
Being aware of this is always bubbling and boiling in the gray matter between every adjusters ears. If there’s any question whatsoever (regarding who was at fault in the accident you were involved in) don’t ever give up. Keep pounding away! When faced with a determined claimant who’s willing to wait and haggle and refuses to go away, the chances are the adjuster will eventually make an offer.
This comes to pass because the adjuster(especially if your claim has some value) doesn’t want it to end up as a complaint at the State Department Of Insurance. Plus he knows you’ll be made, a settlement offer, somewhere down the line, anyway! So, better he settle it now, before the cost of defending it gets blown out of proportion, later.
In order to continue to look good (especially to those who watch their progress and the way they handle the outside pressure’s that haunt every one of them)insurance adjusters - - who want to climb their corporate ladder to success - - must be very cagey individuals who must work hard to please those they work for. For you to understand this will most assuredly be to your financial advantage.
Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved
DISCLAIMER: This insurance claim article, OUTSIDE PRESSURES ON THE TYPICAL INSURANCE ADJUSTER is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever, NOR does he purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL’S RESPONSIBILITY to obtain it.
Dan Baldyga’s third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com. or http://www.caraccidentclaims.com. This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury.
Dan Baldyga - Author
19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733-0127 FAX: (413) 731-8358
Mail To: dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found On The Internet At: http://www.caraccidentclaims.com
Or: http://autoaccidentclaims.com
About The Author
For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and trial assistant.He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so the will not be taken advantage of. Mail to: dbpaw@comcast.net
Online Towing Company Mission: Piece of Mind
Online Towing Company Mission: Piece of Mind
by: David Moceri
News from Secure Towing
Millions of Americans are frequently unprepared for the inevitable car mishaps or breakdowns that are bound to eventually happen.
As a result, many motorists have taken steps to ensure that roadside assistance is available when dreaded breakdowns and repair problems occur.
Secure Towing.Com is an online service that operates through a network of contracted service providers who have arrangements with the company's dispatch to perform road and towing service for SecureTowing.com members. The result is an affordable service that provides peace of mind, comfort and a feeling of security to millions of motorists.
Secure Towing.Com has been very successful, offering a valuable service that appeals to its 16 million motorists across America who recognize the value and convenience of an emergency road and auto service. When on the road, Secure Towing.Com customers know they are covered and protected by an organization that exhibits great customer care and has been providing these services for motorists since 1962!
The dispatch center provides benefits to over 16 million people a year and helps 100,000 stranded motorist each month. Secure Towing.Com is the number one rated dispatch service for on-time arrival and customer satisfaction, according to a global marketing international consumer center.
The company now has over 45,000 tow truck companies contracted nationwide to better serve its members.
About The Author
David Moceri is President and CEO of securetowing.com, a fast and excellent on-the-road 24-hour service protection. A complete description of Secure Towng services can be viewed at http://www.securetowing.com/.
gcaplan@vibedirect.com
by: David Moceri
News from Secure Towing
Millions of Americans are frequently unprepared for the inevitable car mishaps or breakdowns that are bound to eventually happen.
As a result, many motorists have taken steps to ensure that roadside assistance is available when dreaded breakdowns and repair problems occur.
Secure Towing.Com is an online service that operates through a network of contracted service providers who have arrangements with the company's dispatch to perform road and towing service for SecureTowing.com members. The result is an affordable service that provides peace of mind, comfort and a feeling of security to millions of motorists.
Secure Towing.Com has been very successful, offering a valuable service that appeals to its 16 million motorists across America who recognize the value and convenience of an emergency road and auto service. When on the road, Secure Towing.Com customers know they are covered and protected by an organization that exhibits great customer care and has been providing these services for motorists since 1962!
The dispatch center provides benefits to over 16 million people a year and helps 100,000 stranded motorist each month. Secure Towing.Com is the number one rated dispatch service for on-time arrival and customer satisfaction, according to a global marketing international consumer center.
The company now has over 45,000 tow truck companies contracted nationwide to better serve its members.
About The Author
David Moceri is President and CEO of securetowing.com, a fast and excellent on-the-road 24-hour service protection. A complete description of Secure Towng services can be viewed at http://www.securetowing.com/.
gcaplan@vibedirect.com
Online Sales and The Auto Dealer
Online Sales and The Auto Dealer
by: Cherie Szilvagyi
Auto Dealers are finding selling their vehicles online hit or miss at best. Auto Trader and Ebay along with Smart Auction from General Motors are offering some of the best options to an Auto Dealer. Why is it that less than 10% of the vehicles listed online are actually selling? There are plenty of companies offering solutions but none seem to be working on a consistent basis. What about the dealer with an internet department? Is he any more successful?
Internet selling has gotten to be big business for the local Auto Dealer. Large or small dealers have different needs but the same outcome. Selling successfully online is a necessary addition to their bottom line and overall sales numbers. Each and every dealer, no matter the size, needs to be able to sell effectively online.
The time and money that selling online costs the Auto Dealer can be a lot less than classic print, radio and television advertising. So why has the local dealer stayed away from selling online? Most are intimidated by a market that is selling less than 10% of the vehicles that are listed in a medium they do not understand.
Selling online needs an expertise that most dealers lack. Some dealers lack the size to handle supporting an internet department. There are companies out there that are offering a total solution to online sales. These companies can handle an effective, profitable internet department for each and every dealer, no matter the size.
A comprehensive internet strategy is needed to sell effectively online. A good consulting firm that brings expertise in auto sales, internet sales and technical computer skills. All of these skills are needed by the dealership to handle selling online effectively. When a dealer sells online effectively, profits and sales soar.
Accomplishing a comprehensive plan to sell online is being offered by very few companies in today’s market. What a dealer needs to look for is a consulting firm that is grounded in all three areas of online sales. Consulting firms that have Auto dealer experience, online sales experience and technical experience with building the software to accomplish an ease to selling online are necessary to meet the goal for the average dealer. These areas all need to be addressed to make a dealer self sufficient in online sales.
Dealers have found that keeping inventory fresh and up to date on their websites can be time consuming and not a profitable endeavor. Profitability in today’s market is essential to a dealer whether small or large. Online solutions are costly and hard to come by, but essential to a dealership.
Is there a solution? Hiring a company with auto experience, internet experience and technical experience is what the smart dealers are doing. Sell through ratios of these companies need to be checked and a company chosen that will effectively sell vehicles time and time again. There is a secret to selling online that major dealers and small dealers alike have found. To sell effectively online you need the right consulting firm to handle the details, leaving dealership personnel free to handle the sales. Sales are a given when the right online sales consulting firm is left to handle the management of online sales strategies. Hiring the right consulting firm for your online sales is essential to successfully selling online. These companies can accomplish positive online sales results more cost effectively than the local Auto Dealer.
Cherie Szilvagyi
www.automobileclearinghouse.com
About The Author
Cherie Szilvagyi
17 years Auto Dealer experience, 3 years effective online sales experience, software programmer and CEO of www.AutomobileClearingHouse.com.
cherie@automobileclearinghouse.com
by: Cherie Szilvagyi
Auto Dealers are finding selling their vehicles online hit or miss at best. Auto Trader and Ebay along with Smart Auction from General Motors are offering some of the best options to an Auto Dealer. Why is it that less than 10% of the vehicles listed online are actually selling? There are plenty of companies offering solutions but none seem to be working on a consistent basis. What about the dealer with an internet department? Is he any more successful?
Internet selling has gotten to be big business for the local Auto Dealer. Large or small dealers have different needs but the same outcome. Selling successfully online is a necessary addition to their bottom line and overall sales numbers. Each and every dealer, no matter the size, needs to be able to sell effectively online.
The time and money that selling online costs the Auto Dealer can be a lot less than classic print, radio and television advertising. So why has the local dealer stayed away from selling online? Most are intimidated by a market that is selling less than 10% of the vehicles that are listed in a medium they do not understand.
Selling online needs an expertise that most dealers lack. Some dealers lack the size to handle supporting an internet department. There are companies out there that are offering a total solution to online sales. These companies can handle an effective, profitable internet department for each and every dealer, no matter the size.
A comprehensive internet strategy is needed to sell effectively online. A good consulting firm that brings expertise in auto sales, internet sales and technical computer skills. All of these skills are needed by the dealership to handle selling online effectively. When a dealer sells online effectively, profits and sales soar.
Accomplishing a comprehensive plan to sell online is being offered by very few companies in today’s market. What a dealer needs to look for is a consulting firm that is grounded in all three areas of online sales. Consulting firms that have Auto dealer experience, online sales experience and technical experience with building the software to accomplish an ease to selling online are necessary to meet the goal for the average dealer. These areas all need to be addressed to make a dealer self sufficient in online sales.
Dealers have found that keeping inventory fresh and up to date on their websites can be time consuming and not a profitable endeavor. Profitability in today’s market is essential to a dealer whether small or large. Online solutions are costly and hard to come by, but essential to a dealership.
Is there a solution? Hiring a company with auto experience, internet experience and technical experience is what the smart dealers are doing. Sell through ratios of these companies need to be checked and a company chosen that will effectively sell vehicles time and time again. There is a secret to selling online that major dealers and small dealers alike have found. To sell effectively online you need the right consulting firm to handle the details, leaving dealership personnel free to handle the sales. Sales are a given when the right online sales consulting firm is left to handle the management of online sales strategies. Hiring the right consulting firm for your online sales is essential to successfully selling online. These companies can accomplish positive online sales results more cost effectively than the local Auto Dealer.
Cherie Szilvagyi
www.automobileclearinghouse.com
About The Author
Cherie Szilvagyi
17 years Auto Dealer experience, 3 years effective online sales experience, software programmer and CEO of www.AutomobileClearingHouse.com.
cherie@automobileclearinghouse.com
OEM and Aftermarket Parts: Parts Train's Best Quality Radiator Support
OEM and Aftermarket Parts: Parts Train's Best Quality Radiator Support
by: Jenny McLane
Parts Train's radiator support restores the original look and contour of your car's radiator. Rusted, dented or cracked parts are primer painted and bolt on easily with original mounting hardware. It has die-formed steel with all correct bodylines, light holes, cutouts, mounting holes, etc. If you have repeated heater core or aluminum radiator failures, consider one possible source to be coolant breakdown and electrolysis due to combustion gases from head gasket leaks. The two most common causes are a poor ground to the radiator's electric cooling fan, or a poor ground from the starter motor and engine block to the battery. Any vehicle with accessories bolted to the radiator support or to a nearby component can be affected by electrolysis. Electrolysis is a fast-acting menace that attacks not only radiators and heaters, but can destroy an entire engine in a mere 20,000 miles.A poorly grounded engine and starter motor can zap enough current through the cooling system to blast apart a heater or radiator in a matter of weeks or even days, depending on how often the vehicle is started.Partstrain has the necessary Chevrolet radiator support for your car. Partstrain also have automotive and restoration parts for the classic and older models of the Chevrolet. Just browse through http://www.partstrain.com/ShopByVehicle/CHEVROLET for a wide selection of Chevrolet car and truck parts that we have. All of these parts are guaranteed rigid and durable, made only of materials with the highest quality. Furthermore, all of these parts have passed the DOT quality and safety test, so you can be assured of their safetiness.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
by: Jenny McLane
Parts Train's radiator support restores the original look and contour of your car's radiator. Rusted, dented or cracked parts are primer painted and bolt on easily with original mounting hardware. It has die-formed steel with all correct bodylines, light holes, cutouts, mounting holes, etc. If you have repeated heater core or aluminum radiator failures, consider one possible source to be coolant breakdown and electrolysis due to combustion gases from head gasket leaks. The two most common causes are a poor ground to the radiator's electric cooling fan, or a poor ground from the starter motor and engine block to the battery. Any vehicle with accessories bolted to the radiator support or to a nearby component can be affected by electrolysis. Electrolysis is a fast-acting menace that attacks not only radiators and heaters, but can destroy an entire engine in a mere 20,000 miles.A poorly grounded engine and starter motor can zap enough current through the cooling system to blast apart a heater or radiator in a matter of weeks or even days, depending on how often the vehicle is started.Partstrain has the necessary Chevrolet radiator support for your car. Partstrain also have automotive and restoration parts for the classic and older models of the Chevrolet. Just browse through http://www.partstrain.com/ShopByVehicle/CHEVROLET for a wide selection of Chevrolet car and truck parts that we have. All of these parts are guaranteed rigid and durable, made only of materials with the highest quality. Furthermore, all of these parts have passed the DOT quality and safety test, so you can be assured of their safetiness.
About the Author
Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.
New Car Registrations and Car Insurance
New Car Registrations and Car Insurance
by: Andrew Bowen
In September 2001 the Driver and Vehicle Licensing Agency (DVLA) introduced a new number plate registration system that was designed to last for 49 years. The new change was welcomed not only by the car dealers but also by the car insurance industry as the DVLA also decided to issue new car registrations twice a year instead of once a year.
In the past, new registrations were issued on 1st August every year. Inevitably this caused a major headache for insurance companies as so many people required insurance at this time. This once a year rush for insurance was compounded by the summer timing when most people, including insurance company employees, go on holiday. Today, the new registrations are issued in March and September. This eases the workload for insurance companies and allows them to more easily staff up for the increase in calls.
Of course, the old system ran for about 38 years and so there is still a large population of people who require insurance renewal on 1st August. So around July, August and September, Insurance companies are still especially busy and you can generally expect long call centre waits with a lot of direct companies.
Using the internet instead is a much easier and quicker way of getting your new car insurance quote. Accept Direct (http://www.acceptdirect.co.uk) have a very fast online quote system which eliminates call centre waiting times. The Accept Direct website is available 24 hours a day, 365 days a year and will deliver you a competitive quote in minutes.
So next time you need car insurance, whether you're looking for a cheap insurance quote for your brand new car or would like to get a low cost renewal, just go to the Accept Direct website at and save yourself some time and money.
Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk
About The Author
Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurance to UK customers through their website http://www.acceptdirect.co.uk
by: Andrew Bowen
In September 2001 the Driver and Vehicle Licensing Agency (DVLA) introduced a new number plate registration system that was designed to last for 49 years. The new change was welcomed not only by the car dealers but also by the car insurance industry as the DVLA also decided to issue new car registrations twice a year instead of once a year.
In the past, new registrations were issued on 1st August every year. Inevitably this caused a major headache for insurance companies as so many people required insurance at this time. This once a year rush for insurance was compounded by the summer timing when most people, including insurance company employees, go on holiday. Today, the new registrations are issued in March and September. This eases the workload for insurance companies and allows them to more easily staff up for the increase in calls.
Of course, the old system ran for about 38 years and so there is still a large population of people who require insurance renewal on 1st August. So around July, August and September, Insurance companies are still especially busy and you can generally expect long call centre waits with a lot of direct companies.
Using the internet instead is a much easier and quicker way of getting your new car insurance quote. Accept Direct (http://www.acceptdirect.co.uk) have a very fast online quote system which eliminates call centre waiting times. The Accept Direct website is available 24 hours a day, 365 days a year and will deliver you a competitive quote in minutes.
So next time you need car insurance, whether you're looking for a cheap insurance quote for your brand new car or would like to get a low cost renewal, just go to the Accept Direct website at and save yourself some time and money.
Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk
About The Author
Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurance to UK customers through their website http://www.acceptdirect.co.uk
Never Get Lost Again - Map Reading is a Thing of the Past
Never Get Lost Again - Map Reading is a Thing of the Past
by: Niall Kennedy
Do you spend lots of time planning routes and checking maps on the road. You don't have any more with a Magellan RoadMate.
I work in the film industry, scouting locations for possible shooting. These can be in built-up urban areas and remote locations all over California.
I often had problems finding my way, even with detailed instructions. I spent as much time parked and reading maps than I did driving.
Then I bought a RoadMate and within hours I felt I would never get lost again. The RoadMate works right out the box, no complicated set-up and no downloading information - perfect for a technophobe like me!
Now I don't waste time scribbling instructions. I switch the unit on when I get into the car and within seconds it has a fix on my position (even in the car port).
I have my contact give me the address or even a landmark close by, and type it into the RoadMate. Just like that, it finds my destination. And if I'm going to be going to that destination again I can save it in the memory for future use.
It offers 4 modes - the first time I tested it out I chose "shortest route" from home to office, and it displayed almost exactly the route I'd have chosen.
You get yard by yard voice instructions (so you don't have to look at the screen as you drive) and it corrects directions immediately if you take a wrong turning, and there's a handy "Repeat" button to get an instant repeat if you didn't hear an instruction.
If you need a visual representation of where you are, there is a useful "3-d" view, down to lamp-posts and garbage cans. The screen is easy to read, with views designed for use in both light and dark conditions.
The helpful voice will even give you a countdown of yards before you reach your destination, even if that destination is a remote dirt-track.
I can guarantee that the RoadMate has saved me countless hours and frustration from reading maps and getting lost.
When I'm returning home, I choose my address from those stored in the memory, and off I go. If I've noticed any roads I want to avoid on the way, traffic jams for instance, I can specify avoiding them, and the RoadMate has new directions for me right away.
All in all, it's a tool I wouldn't want to be without.
About The Author
RoadMate-Review.com reviews and rates electronic navigation devices for automobile and truck drivers.
http://www.RoadMate-Review.com
roadmate@niall-kennedy.com
by: Niall Kennedy
Do you spend lots of time planning routes and checking maps on the road. You don't have any more with a Magellan RoadMate.
I work in the film industry, scouting locations for possible shooting. These can be in built-up urban areas and remote locations all over California.
I often had problems finding my way, even with detailed instructions. I spent as much time parked and reading maps than I did driving.
Then I bought a RoadMate and within hours I felt I would never get lost again. The RoadMate works right out the box, no complicated set-up and no downloading information - perfect for a technophobe like me!
Now I don't waste time scribbling instructions. I switch the unit on when I get into the car and within seconds it has a fix on my position (even in the car port).
I have my contact give me the address or even a landmark close by, and type it into the RoadMate. Just like that, it finds my destination. And if I'm going to be going to that destination again I can save it in the memory for future use.
It offers 4 modes - the first time I tested it out I chose "shortest route" from home to office, and it displayed almost exactly the route I'd have chosen.
You get yard by yard voice instructions (so you don't have to look at the screen as you drive) and it corrects directions immediately if you take a wrong turning, and there's a handy "Repeat" button to get an instant repeat if you didn't hear an instruction.
If you need a visual representation of where you are, there is a useful "3-d" view, down to lamp-posts and garbage cans. The screen is easy to read, with views designed for use in both light and dark conditions.
The helpful voice will even give you a countdown of yards before you reach your destination, even if that destination is a remote dirt-track.
I can guarantee that the RoadMate has saved me countless hours and frustration from reading maps and getting lost.
When I'm returning home, I choose my address from those stored in the memory, and off I go. If I've noticed any roads I want to avoid on the way, traffic jams for instance, I can specify avoiding them, and the RoadMate has new directions for me right away.
All in all, it's a tool I wouldn't want to be without.
About The Author
RoadMate-Review.com reviews and rates electronic navigation devices for automobile and truck drivers.
http://www.RoadMate-Review.com
roadmate@niall-kennedy.com
Motor Vehicle Accident Insurance Claim Guide
Motor Vehicle Accident Insurance Claim Guide
by: Dan Baldyga
This is a FREE Insurance Claim Guide created especially for the readers of ARTICLECITY.COM as a 2004 "Gift",
Your “Motor Vehicle” can be a truck, car, motorcycle - - you name it! If it’s powered by a motor and has one, two, three, four (or even more) wheels this “Guide” is for you.
The information below is a bare-bones “Guide” for those who have had such a motor vehicle accident. It details the basics of how one should with their property damage and/or personal injury claim.
AFTER IMPACT CHECKLIST
We heartily suggest you make a copy of this "Impact Checklist" to be kept handy within the confines of your motor vehicle. A “Guide” to refer to so you’ll be certain, should an accident take place, that you’ve covered everything.
Other than the fact that one must obtain from the other operator, both their drivers license and motor vehicle registration information, you should also proceed to do the following:
IMMEDIATELY MAKE SPECIAL NOTE OF: Names and addresses of eye witnesses. And later the investigating police officers name and badge number. WEATHER CONDITIONS: Snow, rain, fog, mist, sleet, etc. ROAD SURFACE: Dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, etc. VISIBILITY: Sunny, cloudy, dusk, night, moonlight, etc. (Was the sun in the other driver’s face)? TRAFFIC CONTROLS: Were there overhead lights? Posted speed limit signs? Stop or warning signs? Hospital or school zone signs? CREATE A DIAGRAM: Driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, cobblestone, dirt, etc. Indicate the width of street. Show the location of impact, gouge and/or skid marks. CONDITION OF MOTOR VEHICLE THAT STRUCK YOU: Age and general overall condition. Is their state inspection sticker displayed and up to date? Were chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE SCENE AND SNAP PHOTOGRAPHS: It’s most important to take pictures of: Skid or gouge mark’s on the road surface plus the damage to both vehicles. PHOTOS OF YOUR BODILY INJURIES: It's crucial to the ultimate value of your claim to snap a multitude of colored photos (up close and from different angles) of your bodily injuries - - especially all black and blue marks or bruises.
INSIGHTS INTO HANDLING YOUR CLAIM (There Are Six Areas You Must Be Familiar With) 1. Out-Of-Pocket Expenses 2. Lost Time From Work - Lost Wages 3. Property Damage Losses 4. What Your Medical Doctor And/Or Chiropractor Reports Should State 5. Medical Payments Coverage 6. What To Do If An Adjuster Refuses To Cooperate
You Should Go Into Detail Regarding These (Below Listed) Six Areas:
(1) OUT-OF-POCKET EXPENSES:These are expenses that can be measured in definite sums of money. They are the foundation of the calculations used to award damages (including that often great and extra amount paid to you for your “Pain and Suffering”) regarding any financial loss flowing directly from the injury you may have sustained.
MEDICAL EXPENSES: Obtain all bills and services rendered. (Prior to their being sent out, you have ever right to ask for and read the crucial Final Reports regarding your physical condition from your Doctor, Chiropractor, “Medical Specialist” and/or Dentist).Medical Expenses Typically Include: Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Laboratory Fees and Services ~ Diagnostic Tests: (X-rays and/or CT Scan) ~ Registered or Practical Nurse Fees ~ Medicine and/or Prescription Medications ~ Prosthetic Appliances or Surgical Apparatus (Canes & crutch, etc.) ~ Physical Therapy ~ Ace Bandages, Gauze & Tape ~ Heating Pads ~ Creams, Ointments, Balms & Salves. As you read them make sure these Medical Reports include the length of time of your “Total Disability” and/or your “Partial Disability”. These are of enormous value because they justify the often HUGE, extra payment made for your “Pain and Suffering” . (Plus this information will also prove your claim for Lost Wages).
NON-MEDICAL DAMAGE EXPENSES. These include: Lost Wages and Earnings ~ Lost Vacation Time and/or Sick Leave ~ Travel Expenses: (Transportation costs incurred getting to and from The Doctor and/or Hospital, etc.) ~ Household Help During Disability ~ Child Care During Recuperation.
(2) LOST TIME FROM WORK - - LOST WAGES - - YOUR "LOSS EARNING CAPACITY": The weeks, hours and/or days you were unable to work (thus the money you may have lost) is added up and documented on company letterhead. You’re often entitled to compensation for “Lost Time and Earnings” even if you have no actual loss of money ! Such as, for example, if your salary is paid by some other insurance coverage you may have or by taking sick leave or some other similar arrangement. It doesn’t matter if you're employed full time, part time, self-employed, own your own business, retired, unemployed, or a housewife not employed outside the home, you should keep a written record of all household help and/or child care needed during your disability period.
All of these constitute an element of your “SPECIAL DAMAGES” mainly "Lost Wages". Insurance companies usually don't view your time away from work (because of an injury) as “Lost Time And Earnings” but as “Lost Earning Capacity”. In most states one is entitled to compensation for lost time and earnings even if they have no loss of money. For example, when your salary is paid for by another insurance coverage you have or by taking sick leave and/or some other similar type of arrangement. There are specific situations to be considered and called to the forefront when it comes to being employed either full-time or part-time. More detailed information (regarding these above stated area’s of your loss) are found in CHAPTER FOUR “Damages” within the book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.
(3) PROPERTY DAMAGE LOSSES: “AGREED COST TO REPAIR”: This figure has been negotiated between your damage repair person and the insurance adjuster. Be sure you know (and possess a written copy of) exactly what that figure is.COLLISION: There's usually a deductible. Read your policy. (If you’re not at fault you should eventually be able to get this money back).PROPERTY DAMAGE LIABILITY: Protects you for damages you do to the property of another (i.e. his or her trees, lawn, shrubs, mailbox, etc.) EXCLUSIONS: These are stated in your policy. A good rule of thumb is, “If it’s not excluded, it’s covered”. Read your policy closely to discover your exclusions and how they apply. TOTAL LOSS: A “Total Loss” is when the motor vehicle damage exceeds the value of the vehicle, as stated within all of the up-to-date and “Official” Property Damage books and/or documents. OTHER PROPERTY DAMAGE LOSSES: Clothing, jewelry, watches, eye or sunglasses, etc. You can also collect for your (or any other individuals) personal property which happened to be in the car and was damaged. (Be sure to have written proof of the cost of each item damaged plus the date it was purchased). Never forget: You’re entitled to be reimbursed for any charges you may have incurred for towing, storage and/or substitute motor vehicle rental, or for that matter - - any other alternate transportation.
The above is a very brief review. For more in-depth information read CHAPTER FIVE: PROPERTY DAMAGE found in AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.
(4) WHAT YOUR MEDICAL DOCTOR AND/OR CHIROPRACTOR REPORT SHOULD STATE: Each “Injury Evaluation Factor” should be clearly stated within each of your final Medical Reports. For example: That your disability is solely the result of the accident. If there were any pre-existing conditions aggravated by your injuries? What treatments were administered and for what duration? What medications were prescribed, in what amounts and for how long? What symptoms or medical problems were such medications meant to relieve? Were there any adverse reactions demonstrated? Ask to read them before they're sent to the adjuster so you're sure it explains the nature, plus the extent and frequency of the pain that an injury, such as yours, will likely cause.
PROGNOSIS: This is the clearly stated information (regarding your personal injury progress) and should include: The part played by a pre-existing condition, if any? Their prediction of any possible future temporary disability/impairments? Does the individual attending you anticipate any further or future treatments? LENGTH OF YOUR “TOTAL” DISABILITY: Why? Because it's so important (when it comes time to settle) this is clearly stated in weeks and days. LENGTH OF YOUR “PARTIAL” DISABILITY: Again (and for the same reason as above) this too should be clearly stated in weeks and days. (Specific details, regarding both “Partial” and “Total” Disability , and the incredible value it provides for you in your claim, are found in CHAPTER SIX: YOUR BODILY INJURY).
(5) MEDICAL PAYMENTS COVERAGE: If you have this coverage in your motor vehicle policy, it will pay (up to the limits stated) for all medical bills arising out of the accident - - regardless of who’s at fault! (You must read your policy carefully because the “Who”, “Why” and/or “How” of this often differs).
A WORD ABOUT HEALTH INSURANCE PLANS: In certain instances, it may be possible to have your medical bills paid and yet avoid any repayment by tapping into your health insurance coverage, or some other plan you may have. (Yes, this means, under certain circumstances, you may be able to collect twice for the same medical bills)!
(6) WHAT TO DO IF THE ADJUSTER REFUSES TO COOPERATE? These Are Your Usual And Routine Choices: a. Threaten that you're going to obtain the services of a lawyer to represent you. b. Go over the adjuster’s head. c. Resolve your loss in Small Claims Court. d. Contact the proper people (working through the State Department of Insurance) implementing the time honored principle of “Good Faith” vs. “Bad Faith”.
All the information necessary for you to deal with and handle the above issues are spelled out within the contents of AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured are worth.
DISCLAIMER: The only purpose of this article is to help people understand the motor vehicle accident claim process. Dan Baldyga, does not offer a guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBLY to obtain such services.
Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved.
About The Author
For over 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and Trial Assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claim so they will not be taken advantage of. dbpaw@comcast.net
by: Dan Baldyga
This is a FREE Insurance Claim Guide created especially for the readers of ARTICLECITY.COM as a 2004 "Gift",
Your “Motor Vehicle” can be a truck, car, motorcycle - - you name it! If it’s powered by a motor and has one, two, three, four (or even more) wheels this “Guide” is for you.
The information below is a bare-bones “Guide” for those who have had such a motor vehicle accident. It details the basics of how one should with their property damage and/or personal injury claim.
AFTER IMPACT CHECKLIST
We heartily suggest you make a copy of this "Impact Checklist" to be kept handy within the confines of your motor vehicle. A “Guide” to refer to so you’ll be certain, should an accident take place, that you’ve covered everything.
Other than the fact that one must obtain from the other operator, both their drivers license and motor vehicle registration information, you should also proceed to do the following:
IMMEDIATELY MAKE SPECIAL NOTE OF: Names and addresses of eye witnesses. And later the investigating police officers name and badge number. WEATHER CONDITIONS: Snow, rain, fog, mist, sleet, etc. ROAD SURFACE: Dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, etc. VISIBILITY: Sunny, cloudy, dusk, night, moonlight, etc. (Was the sun in the other driver’s face)? TRAFFIC CONTROLS: Were there overhead lights? Posted speed limit signs? Stop or warning signs? Hospital or school zone signs? CREATE A DIAGRAM: Driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, cobblestone, dirt, etc. Indicate the width of street. Show the location of impact, gouge and/or skid marks. CONDITION OF MOTOR VEHICLE THAT STRUCK YOU: Age and general overall condition. Is their state inspection sticker displayed and up to date? Were chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE SCENE AND SNAP PHOTOGRAPHS: It’s most important to take pictures of: Skid or gouge mark’s on the road surface plus the damage to both vehicles. PHOTOS OF YOUR BODILY INJURIES: It's crucial to the ultimate value of your claim to snap a multitude of colored photos (up close and from different angles) of your bodily injuries - - especially all black and blue marks or bruises.
INSIGHTS INTO HANDLING YOUR CLAIM (There Are Six Areas You Must Be Familiar With) 1. Out-Of-Pocket Expenses 2. Lost Time From Work - Lost Wages 3. Property Damage Losses 4. What Your Medical Doctor And/Or Chiropractor Reports Should State 5. Medical Payments Coverage 6. What To Do If An Adjuster Refuses To Cooperate
You Should Go Into Detail Regarding These (Below Listed) Six Areas:
(1) OUT-OF-POCKET EXPENSES:These are expenses that can be measured in definite sums of money. They are the foundation of the calculations used to award damages (including that often great and extra amount paid to you for your “Pain and Suffering”) regarding any financial loss flowing directly from the injury you may have sustained.
MEDICAL EXPENSES: Obtain all bills and services rendered. (Prior to their being sent out, you have ever right to ask for and read the crucial Final Reports regarding your physical condition from your Doctor, Chiropractor, “Medical Specialist” and/or Dentist).Medical Expenses Typically Include: Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Laboratory Fees and Services ~ Diagnostic Tests: (X-rays and/or CT Scan) ~ Registered or Practical Nurse Fees ~ Medicine and/or Prescription Medications ~ Prosthetic Appliances or Surgical Apparatus (Canes & crutch, etc.) ~ Physical Therapy ~ Ace Bandages, Gauze & Tape ~ Heating Pads ~ Creams, Ointments, Balms & Salves. As you read them make sure these Medical Reports include the length of time of your “Total Disability” and/or your “Partial Disability”. These are of enormous value because they justify the often HUGE, extra payment made for your “Pain and Suffering” . (Plus this information will also prove your claim for Lost Wages).
NON-MEDICAL DAMAGE EXPENSES. These include: Lost Wages and Earnings ~ Lost Vacation Time and/or Sick Leave ~ Travel Expenses: (Transportation costs incurred getting to and from The Doctor and/or Hospital, etc.) ~ Household Help During Disability ~ Child Care During Recuperation.
(2) LOST TIME FROM WORK - - LOST WAGES - - YOUR "LOSS EARNING CAPACITY": The weeks, hours and/or days you were unable to work (thus the money you may have lost) is added up and documented on company letterhead. You’re often entitled to compensation for “Lost Time and Earnings” even if you have no actual loss of money ! Such as, for example, if your salary is paid by some other insurance coverage you may have or by taking sick leave or some other similar arrangement. It doesn’t matter if you're employed full time, part time, self-employed, own your own business, retired, unemployed, or a housewife not employed outside the home, you should keep a written record of all household help and/or child care needed during your disability period.
All of these constitute an element of your “SPECIAL DAMAGES” mainly "Lost Wages". Insurance companies usually don't view your time away from work (because of an injury) as “Lost Time And Earnings” but as “Lost Earning Capacity”. In most states one is entitled to compensation for lost time and earnings even if they have no loss of money. For example, when your salary is paid for by another insurance coverage you have or by taking sick leave and/or some other similar type of arrangement. There are specific situations to be considered and called to the forefront when it comes to being employed either full-time or part-time. More detailed information (regarding these above stated area’s of your loss) are found in CHAPTER FOUR “Damages” within the book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.
(3) PROPERTY DAMAGE LOSSES: “AGREED COST TO REPAIR”: This figure has been negotiated between your damage repair person and the insurance adjuster. Be sure you know (and possess a written copy of) exactly what that figure is.COLLISION: There's usually a deductible. Read your policy. (If you’re not at fault you should eventually be able to get this money back).PROPERTY DAMAGE LIABILITY: Protects you for damages you do to the property of another (i.e. his or her trees, lawn, shrubs, mailbox, etc.) EXCLUSIONS: These are stated in your policy. A good rule of thumb is, “If it’s not excluded, it’s covered”. Read your policy closely to discover your exclusions and how they apply. TOTAL LOSS: A “Total Loss” is when the motor vehicle damage exceeds the value of the vehicle, as stated within all of the up-to-date and “Official” Property Damage books and/or documents. OTHER PROPERTY DAMAGE LOSSES: Clothing, jewelry, watches, eye or sunglasses, etc. You can also collect for your (or any other individuals) personal property which happened to be in the car and was damaged. (Be sure to have written proof of the cost of each item damaged plus the date it was purchased). Never forget: You’re entitled to be reimbursed for any charges you may have incurred for towing, storage and/or substitute motor vehicle rental, or for that matter - - any other alternate transportation.
The above is a very brief review. For more in-depth information read CHAPTER FIVE: PROPERTY DAMAGE found in AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.
(4) WHAT YOUR MEDICAL DOCTOR AND/OR CHIROPRACTOR REPORT SHOULD STATE: Each “Injury Evaluation Factor” should be clearly stated within each of your final Medical Reports. For example: That your disability is solely the result of the accident. If there were any pre-existing conditions aggravated by your injuries? What treatments were administered and for what duration? What medications were prescribed, in what amounts and for how long? What symptoms or medical problems were such medications meant to relieve? Were there any adverse reactions demonstrated? Ask to read them before they're sent to the adjuster so you're sure it explains the nature, plus the extent and frequency of the pain that an injury, such as yours, will likely cause.
PROGNOSIS: This is the clearly stated information (regarding your personal injury progress) and should include: The part played by a pre-existing condition, if any? Their prediction of any possible future temporary disability/impairments? Does the individual attending you anticipate any further or future treatments? LENGTH OF YOUR “TOTAL” DISABILITY: Why? Because it's so important (when it comes time to settle) this is clearly stated in weeks and days. LENGTH OF YOUR “PARTIAL” DISABILITY: Again (and for the same reason as above) this too should be clearly stated in weeks and days. (Specific details, regarding both “Partial” and “Total” Disability , and the incredible value it provides for you in your claim, are found in CHAPTER SIX: YOUR BODILY INJURY).
(5) MEDICAL PAYMENTS COVERAGE: If you have this coverage in your motor vehicle policy, it will pay (up to the limits stated) for all medical bills arising out of the accident - - regardless of who’s at fault! (You must read your policy carefully because the “Who”, “Why” and/or “How” of this often differs).
A WORD ABOUT HEALTH INSURANCE PLANS: In certain instances, it may be possible to have your medical bills paid and yet avoid any repayment by tapping into your health insurance coverage, or some other plan you may have. (Yes, this means, under certain circumstances, you may be able to collect twice for the same medical bills)!
(6) WHAT TO DO IF THE ADJUSTER REFUSES TO COOPERATE? These Are Your Usual And Routine Choices: a. Threaten that you're going to obtain the services of a lawyer to represent you. b. Go over the adjuster’s head. c. Resolve your loss in Small Claims Court. d. Contact the proper people (working through the State Department of Insurance) implementing the time honored principle of “Good Faith” vs. “Bad Faith”.
All the information necessary for you to deal with and handle the above issues are spelled out within the contents of AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured are worth.
DISCLAIMER: The only purpose of this article is to help people understand the motor vehicle accident claim process. Dan Baldyga, does not offer a guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBLY to obtain such services.
Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved.
About The Author
For over 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and Trial Assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claim so they will not be taken advantage of. dbpaw@comcast.net
More On Lost Wages
More On Lost Wages
by: Dan Baldyga
Some time ago I wrote an article for the absolutely sensational ARTICLE CITY regarding the handling of your personal injury claim regarding how one should proceed to collect for their LOST WAGES.
Since then I’ve been asked so many questions about that subject matter I've decided to go into even greater depth regarding this highly complicated subject matter. So, here we go:
GENERALLY SPEAKING: If you're claiming five weeks of lost wages, and your Medical Record shows you were discharged in three, you're in deep “stuff“! You're chances of collecting for those additional two weeks is probably minus-zip.
No matter who says what you must make sure that the Final Medical Report, is handed to you - - only you - - nobody else !
Why ? So you'll have a chance to read it before you hand it to Adjuster Henry Hard-Nose employed by Rock Solid Insurance Corporation.
In the event that the report doesn't have everything in it that it should (which I’ve expressed in detail below) you have every right to return it to Medical Doctor or Chiropractor who wrote it and ask that it be rewritten in clear language, detailing and explaining the pain, discomfort and suffering they observed you experienced.
It if isn’t executed correctly Rock Solid Insurance and Hard-Nose will absolutely swoon with joy because the value of your claim will have done a nose dive into the nearest sewer. Why? Because your Final Medical Report has been executed in a sloppy manner and they know, in their secret heart’s, that even though you went through a tremendous period of “Pain and Suffering” if it’s not adequately spelled out your claim suddenly has much less value !
Assuming your Final Medical Report has been written accurately that's money in the bank! But, far too often they're dashed off in haste by a "Busy-Busy" Attending Physician or Chiropractor. Don't let that happen to you because, if it does, that hot, slick tongue you feel on you're lips, and sliding into your throat, is the result of the kiss of death that’s being given to you moments before your seduction.
SICK LEAVE OR VACATION TIME:
If you had to take sick leave, or vacation time, during the time you missed from work, it's absolutely part of your claim. Never forget you would have been entitled to use that sick leave and/or vacation time, - - later on down the road - - when you needed or wanted it.
NEVER FORGET: If you're forced to take either (because of a motor vehicle accident) it's the same as losing the pay itself. Don't let Hard-Nose attempt to pull his usual "Con Job" and tell you any differently!
LOSS OF PAY VS. TRIPS TO YOUR ATTENDING PHYSICIAN:
If your Lost Wage Document, which was executed by the company you work for, states that you didn’t work during the same period you were being treated by your attending physician, that’s all the proof you need to be compensated for your “lost earnings”.
HOWEVER: If your doctor didn’t treat you any longer after a certain date (even though stated and detailed in your Lost Wage Document) than your chances of recovery for your lost wages, after that particular date, are minus zip!
BACK TO WORK BUT STILL TREATING:
If you’ve returned to work, but you’re still being treated by your attending physician, that Lost Wage Document should clearly state the date and hours you missed when you had to leave work and make that day trip to see your doctor and/or receive treatment.
BACK TO WORK HOWEVER NOT BACK AT YOUR USUAL, NORMAL, ROUTINE ASSIGNMENT:
During my almost 40 years in the business of insurance claims I often ran into a situation where the claimant insisted they were unable to return to their old job and this caused them to have a lesser income. However, there were many times when the only proof of this was their verbal contention and that was unacceptable .
That’s why it’s so important (should this apply to you and your work/income situation) that this is clearly spelled out , by the company where you’re employed, in their Lost Wage Report. An official notation on the bottom of the document, stating this to be true, can save you a lot of grief, and a earn you a ton of money!
LOSS OF OVERTIME PAY:
The overtime you lost is a legit claim. Get a letter from your employer spelling out the amount of money you lost in overtime. They can do this by taking a look at last years income, during the same period you were laid up, then figuring out the overtime income you lost, for that identical space in time. Once this has been determined THIS TOO should written into your Lost Wage Report.
ONE LAST WARNING
The inside claims people at Rock Solid Insurance Corporation and adjusters like Henry Hard-Nose are buried alive with hundreds (sometimes thousands!) of claimants who are going through a great deal of "Pain and Suffering", and they just don’t have the time to properly consider the seriousness of what you‘ve had to deal with, no matter how legitimate it may be.
You ask, "How can Dan be so sure about that" ? The answer is very simple, "Because I've been there and done that".
HOWEVER: If you follow what I've laid out above, you'll stay ahead of them, win the ball game and be awarded all the lost wage damage's that are owed to you - - PLUS increase that additional payment for your "Pain and Suffering" !
DISCLAIMER: The only purpose of this article MORE ON LOST WAGES is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go nor ARTICLE CITY make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDI
by: Dan Baldyga
Some time ago I wrote an article for the absolutely sensational ARTICLE CITY regarding the handling of your personal injury claim regarding how one should proceed to collect for their LOST WAGES.
Since then I’ve been asked so many questions about that subject matter I've decided to go into even greater depth regarding this highly complicated subject matter. So, here we go:
GENERALLY SPEAKING: If you're claiming five weeks of lost wages, and your Medical Record shows you were discharged in three, you're in deep “stuff“! You're chances of collecting for those additional two weeks is probably minus-zip.
No matter who says what you must make sure that the Final Medical Report, is handed to you - - only you - - nobody else !
Why ? So you'll have a chance to read it before you hand it to Adjuster Henry Hard-Nose employed by Rock Solid Insurance Corporation.
In the event that the report doesn't have everything in it that it should (which I’ve expressed in detail below) you have every right to return it to Medical Doctor or Chiropractor who wrote it and ask that it be rewritten in clear language, detailing and explaining the pain, discomfort and suffering they observed you experienced.
It if isn’t executed correctly Rock Solid Insurance and Hard-Nose will absolutely swoon with joy because the value of your claim will have done a nose dive into the nearest sewer. Why? Because your Final Medical Report has been executed in a sloppy manner and they know, in their secret heart’s, that even though you went through a tremendous period of “Pain and Suffering” if it’s not adequately spelled out your claim suddenly has much less value !
Assuming your Final Medical Report has been written accurately that's money in the bank! But, far too often they're dashed off in haste by a "Busy-Busy" Attending Physician or Chiropractor. Don't let that happen to you because, if it does, that hot, slick tongue you feel on you're lips, and sliding into your throat, is the result of the kiss of death that’s being given to you moments before your seduction.
SICK LEAVE OR VACATION TIME:
If you had to take sick leave, or vacation time, during the time you missed from work, it's absolutely part of your claim. Never forget you would have been entitled to use that sick leave and/or vacation time, - - later on down the road - - when you needed or wanted it.
NEVER FORGET: If you're forced to take either (because of a motor vehicle accident) it's the same as losing the pay itself. Don't let Hard-Nose attempt to pull his usual "Con Job" and tell you any differently!
LOSS OF PAY VS. TRIPS TO YOUR ATTENDING PHYSICIAN:
If your Lost Wage Document, which was executed by the company you work for, states that you didn’t work during the same period you were being treated by your attending physician, that’s all the proof you need to be compensated for your “lost earnings”.
HOWEVER: If your doctor didn’t treat you any longer after a certain date (even though stated and detailed in your Lost Wage Document) than your chances of recovery for your lost wages, after that particular date, are minus zip!
BACK TO WORK BUT STILL TREATING:
If you’ve returned to work, but you’re still being treated by your attending physician, that Lost Wage Document should clearly state the date and hours you missed when you had to leave work and make that day trip to see your doctor and/or receive treatment.
BACK TO WORK HOWEVER NOT BACK AT YOUR USUAL, NORMAL, ROUTINE ASSIGNMENT:
During my almost 40 years in the business of insurance claims I often ran into a situation where the claimant insisted they were unable to return to their old job and this caused them to have a lesser income. However, there were many times when the only proof of this was their verbal contention and that was unacceptable .
That’s why it’s so important (should this apply to you and your work/income situation) that this is clearly spelled out , by the company where you’re employed, in their Lost Wage Report. An official notation on the bottom of the document, stating this to be true, can save you a lot of grief, and a earn you a ton of money!
LOSS OF OVERTIME PAY:
The overtime you lost is a legit claim. Get a letter from your employer spelling out the amount of money you lost in overtime. They can do this by taking a look at last years income, during the same period you were laid up, then figuring out the overtime income you lost, for that identical space in time. Once this has been determined THIS TOO should written into your Lost Wage Report.
ONE LAST WARNING
The inside claims people at Rock Solid Insurance Corporation and adjusters like Henry Hard-Nose are buried alive with hundreds (sometimes thousands!) of claimants who are going through a great deal of "Pain and Suffering", and they just don’t have the time to properly consider the seriousness of what you‘ve had to deal with, no matter how legitimate it may be.
You ask, "How can Dan be so sure about that" ? The answer is very simple, "Because I've been there and done that".
HOWEVER: If you follow what I've laid out above, you'll stay ahead of them, win the ball game and be awarded all the lost wage damage's that are owed to you - - PLUS increase that additional payment for your "Pain and Suffering" !
DISCLAIMER: The only purpose of this article MORE ON LOST WAGES is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go nor ARTICLE CITY make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDI