Types of Car Insurance

The major Auto Insurance types include:

Liability (Bodily Injury Liability Insurance and Property Damage Liability Insurance):

The only states that don't require liability coverage are New Hampshire, Tennessee and Wisconsin, and if you don't reside in one of those states, this coverage is imperative.

Liability Car Insurance protects your bank account in case you are liable for damaging the other person or his/her car. It covers any injuries or damages to property that you might cause during an accident.

In case you get in an accident and you are at fault for other people's bodily injuries or death, Bodily Injury Liability(BI) will cover medical bills, pain or suffering, loss of income of another party in an accident and a legal defense if they file a lawsuit against you. Mind that Bodily Injury Liability does not cover you or other people on your policy and is strictly limited to the terms and conditions of your policy.

Property Damage Liability (PD) will provide you with legal defense and cover you if you get in an accident and your car happens to damage someone else's property: another party's car, a house, a fence, or any other property. It is important to have enough coverage for the amount of damage your car might do to another party's property.

Collision: This coverage protects you regardless of who is at fault for an accident. It will pay for any repairs your car requires as well as for the replacement of its market value if after an accident your vehicle is beyond repair. The principle difference between Collision and Liability Insurance coverage is that Collision covers damage caused to your own car while Liability pays for damage you cause to the other party. Basically, the safer a driver you are, the less you need this type of insurance.

Comprehensive (Fully Comprehensive Insurance Coverage):

This is the most expensive optional coverage. However, finance companies and lessors require that the car owner insure their car fully comprehensive. This coverage pays for repair works or the replacement of your car if it is stolen or damaged. Comprehensive coverage protects against disasters, such as theft, falling trees, and most acts of nature, fire, vandalism, animal accidents, etc.

Many Car Insurance companies choose to insure only 80% of the value, refusing to cover 100%. It is done to prevent fraudulent losses of cars when some car owners just feel like recovering their fininacial position. Therefore, it is necessary to thoroughly scrutinize what is covered and what is not covered in your policy.

There are several other types of Car Insurance. For instance,Medical Payments Coverage pays medical bills and funeral costs following road accidents. Injured person (including cases when it is a pedestrian or biker) is covered regardless of who is at fault for the accident. Medical insurance may or may not include disability insurance and pain and suffering compensation. Personal Injury Protection (PIP) is very similar but can also cover the cost of care after the accident and up to 80% of lost income.

Uninsured or Under-insured Drivers Insurance pays any costs due to damage and injuries caused by a driver who is uninsured or underinsured. It also covers damages by hit-and-run accidents. This type of coverage is a good idea, taking into account that abut 17% of drivers fail to have an adequate insurance coverage.

There are also Glass Replacement Insurance, Towing and Labor Coverage and Rental Reimbursement Coverage, and other Car Insurance low-cost additions, which you can add to your policy as your situation requires.

Car Insurance

The importance of car Insurance is not overestimated. Let's face it: owning and operating a car requires a great amount of responsibility and - Auto Insurance. You can't drive a car without a valid Auto Insurance policy, and if you are found driving without one, you will be severely fined or even sentenced to jail. Drivers tend to grumble about their Car Insurance monthly at policy renewal times and the only time they speak about their Auto Insurance more kindly is when filing an Auto Insurance claim if they get in an accident.

Most of us do not question the necessity of being covered by Auto Insurance. The statistics and common sense prompt us to be careful and forward-thinking. In the United States, within a five-year period over 25 percent of all car drivers somehow got involved in car accidents. Car crashes-related expenses of Americans amount to over $720 million annually. Every 13 minutes one person dies in a car accident. Every 26 seconds a car is stolen. We believe in your luck, but bearing all this in mind, safe driving and the right Car Insurance coverage are more than necessary.

Before you start shopping for Car Insurance, you are recommended to study your state's Auto Insurance requirements in order to learn how much coverage you need by law and then determine your own Car Insurance coverage needs that go beyond the legal minimum.

What is a hydrogen car?

Hydrogen cars run on hydrogen fuel which is tapped after hydrogen atoms are broken up and then re-combined with the atoms of oxygen. This can be done through electrolysis, wherein electric current is applied through water. Most of these hydrogen-fueled vehicles operate on fuel cells. There are other hydrogen-based vehicles that however use the traditional internal combustion device through harnessing of liquid hydrogen in place of gasoline.

There are 100% hydrogen powered vehicles that are being used in certain areas around the globe. The downside with these hydrogen vehicles, however, is the lack of infrastructure that would complement the maintenance of these vehicles. It would take trillions of dollars to replace the current gasoline fueling system that most countries use. Also, hydrogen fuel cells that are necessary in harnessing the mechanical energy of hydrogen atoms are quite costly to produce. These devices are also fragile, and they cannot withstand the vibrations and bumps that cars experience during road trips.

How Does Hydrogen Car Work?

In recent years automotive experts are spending most of their time on hydrogen cars.Keeping the high price of fuel in head experts are trying to develop a hydrogen car which will not only be fuel efficient but also be environment friendly.Hydrogen cars work through the use of a fuel cell, which is responsible for electrolyzing water. This means that water’s two components - hydrogen and oxygen - are separated by the use of direct electrical current. The fuel cells can be installed in the engine and filled with water. Hydrogen cars can also work by simply refilling the tank with liquid hydrogen.

However, like most new discoveries or inventions, there are still downsides to the use of hydrogen cars. For instance, if the car uses fuel cells, one needs to keep the electrical charge of the hydrogen generator to create the needed HHO gas. On the other hand, using liquid hydrogen entails the use of a fuel tank which is larger than a regular gas tank. Also, there is not much refilling stations for hydrogen cars using liquid hydrogen.

Still, the good news is that experts are currently working on addressing these issues. For instance, some countries are preparing for the time when hydrogen cars are mass produced by building hydrogen refilling stations. Despite the billions of dollars needed in putting the necessary infrastructure for hydrogen refilling stations, countries like China and the United States are working overtime on establishing a hydrogen refilling network.

When the time comes that cars are run on hydrogen, a lot of issues concerning the use of fossil based fuel will be instantly addressed. For one, the most pressing concern is the exorbitant price of gasoline products. Since water is such an abundant resource, motorists do not have to shell out a fortune in order to run their vehicles. This will revolutionize the way we do business, and would tremendously affect what has been an oil-based global economy. Cars that are fueled by hydrogen can also improve the air quality, since emissions of vehicles using gasoline have been known as the primary culprit to air pollution.

5 Fuel-Saving Technologies

In the long run, the internal combustion engine (ICE) is on the way out and electric motors are on the way in, but ICEs have been around for so loooong that we should be careful about announcing their demise. They're going to stick around a while longer, and so it's very important to make them as efficient and clean as possible.

Clean Diesel

Various advances such as the availability of ultra low sulfur diesel fuel, better catalysts and particulate matter traps, better control over combustion are making diesel engines cleaner, so you can expect a new wave of diesel passenger vehicles to come to the US in the next few years.
Diesel engines are certainly far from perfect, but they have inherently better thermal efficiency than gasoline engines, and they are usually more durable (if also more expensive and heavier). Another benefit is that they can run on biodiesel, which if you can find fuel made from waste cooking oil or (in the next few years) from algae can be very green.

Direct Injection

Before direct injection, the fuel was mixed with air in the car's intake manifold. Now, with direct injection, the fuel is mixed with air inside the cylinder, allowing for better control over the amount of fuel used, and variations depending on demand (acceleration vs. cruising). This makes the engine more fuel efficient.

Cylinder Deactivation

The name says it all. ICEs with this feature can simply deactivate some cylinders when less power is required, temporarily reducing the total volume of the engine cylinders and so burning less fuel. This feature is found on V6 and V8 engines.

Turbochargers

Turbochargers increase the pressure inside cylinders, cramming more air and allowing combustion to generate more power. This doesn't make the engine more economical in itself, but since a smaller displacement engine can generate more peak power, you can more easily downsize and save there.

Variable Valve Timing and Lift

Valves open and close to allow air and fuel to enter cylinders and for the products of combustion to exit. Different valve timings produce different results (more power, better fuel economy). Traditionally, you couldn't vary that timing, so the choice had to be made once when the engine was designed. But many modern engines can vary valve timing, allowing for example the default low RPM range of the engine to have more economical timing, and the higher RPM range to go for max power. This allows a smaller displacement engine to produce more peak power, so it allows for downsizing and fuel savings.

Advantages and disadvantages of hybrids car

Advantages of hybrid car

Hybrid cars are often refered as the 'car of era'.The advantages of hybrid cars are described bellow
1.Hybrid cars reduce the dependency on fossil fuel which directly affects the fuel prices.
2.The hybrid cars are more reliable,comfortable than any other traditional cars due to thier tax benefits.
3.Hybrid cars provide more cleaner emissions with less CO than any conventional cars having internal combustion engine.
4.There is no need to charge the battery by an external source due to regenerative braking technology.
4.Special warranties are provided for the batteries,the electric motor and the other costly items.
5.It is experimentally observed that hybrid cars provide more mileage than any traditional cars.

Moreover at the traffic place hybrid cars use electric battery as a power source with less emissions.In the hybrid car the electrical energy is used while starting up of the car and it's low speed ranges which will help to impart a check to tail pipe emissions.As the automobile is increasing the toxic ingradiants are also becomming sever for the world.The decrease in tail pipe emission will be a great advantage for the environment.

Disadvantages of hybrid cars

Though hybrid cars have many advantages it has some disadvantages too.But it should be noted that the advantages far exceed the disadvantages.Some disadvantages of hybrid cars are pointed bellow
1.High cost: hybrids cost anywhere from $2000 to $5000 more thier non-hybrid version.
2.More weight due to battery pack.
3.In the case of an unfortunate accident there is a possibility of exposure of high voltage wire.
4.Spare parts maybe hard to find and costly.
5.Generally hybrid cars have lower acceleration than their normal counterpart.

How hybrid cars work?

Hybrid cars are the most promising cars at the present era.Hybrid cars integrate both the power of the conventional gasoline engine and the electric motor.A high power battery is used to run the electric motor which itself get recharged when the car is decelerating.the gas engine can also assist the battery in recharging.So there is no need to plug in the battery for charging.

There are mainly two types of hybrid cars according to the type of electric motor the have.One of them is mild hybrids and another is full hybrids.

Mild hybrids is mainly operated by gasoline engine but an additional power is added by an electric motor.This electric motor is not capable of running the car alone.Honda's power assist technology in it's hybrids,civic and Insight is an example.

Second type of hybrid is called full hybrids.In full hybrid cars,both the gasoline engine and electric motor are capable of running the car.But the gasoline engine drive the the at a high speed and the electric motor drive the car at comparatively low speed.Toyota Prius and Ford Escape both uses the same technology.

Both the mild or full hybrids are environment friendly and capable of providing lower emissions and better efficiency.The internal combustion engine installed in the hybrids is generally small in size as compared to other internal combustion engine.The IC engine is small in size because an electric motor is also installed there for assistance.

Hybrid car

What is hybrid car?

Hybrid cars may be defined as the car which has at least one alternative source of energy and IC engine.Hybrid vehicles employ both the traditional internal combustion engine and electric battery or generator to provide motive force and energy recovery.The hybrid car which uses an electric rechargeable is called electric hybrid car.These newly launched hybrid cars are more efficient,reliable and affordable.
Why should you choose a hybrid car?

There are many significant reasons behind choosing a hybrid car.Among them the most important reasons are given bellow-
1.Hybrid cars are environment friendly.They can reduce pollution by 90%.
2.Hybrid cars are economical in medium and long run than normal gasoline cars.
3.Hybrid cars are more efficient,reliable than electric car as they have fuel as alternative source.

Hybrid car collection of 2009

Model: GMC Yukon sourse: www.edmunds.com

Model: 2009 Ford Escape

Model: 2009 Chevrolet Malibu

Model: 2009 Cadillac Escalade

model: 2009Toyota Carmy

Time for buying a new car

Generaly when a car is launched in the market the price of the car is so high that it is not possible for general buyer to buy the car.So some strategy should be taken for buying the car at a low price.In crismass people get themself busy with buying crismass gifts.And many renowable company offer thier new car at a verry low price.Moreover from july to october car dealer become busy to clear thier showroom for the new model car.Due to this they offer these old model car at low price for buyers.

New car buying tips

Buying a new car may be the bigest purchase in your life.So this task should be done in a proper way for safety.For buying a new car you will have to first decide three things one is the amount of budged,type of car and lastly the model of car.

What to do in showroom

In the showrom you have to tell about the car that you have already chosen for seeing practically.You can take your family to show the car and get thier advices which actualy has a great importance to you.You should tell about your car to the salseman who will show the car and explain the feature of the car.

Test driving

In a shortime test driving anyone can't be able to chose the right car.So during test driving you should drive fast at a range of rpm 2000 to 3000km.Because in nomal condition weather it is comfortable for you or not.At a high speed brake system of the car should be checked.

Choosing the colour

The colour of the car is generally vary from person to person.Before buying car colour should be decided due to the unavailability of the colour in the desired model.But preferance should be given to the average look of the car.Black and white colour are realy verry deficult to maintain due to scratches.I will give prefferance silver or matellic colour of car

Evaluation of car

Let us consider that you have decided to buy a used car which is worthy to you.For buying a used car you need to search net,lobangs of your friends or head down to car marts in singapure.But in actual practice it is not possible for us to check the car as we are not machanics.
So before purchasing a used car it should be evaluated.If any dealer or individual refuses to let the car evaluation,you can be than sure that something has happaned under the hood.A reliable dealer or a honest individual would gladly give his car for a complete evaluation.STA evaluation centre is the first which evaluate car with a computerised system.In this process the following parts are checked:

a.Chasis frame aligment
b.Engine condition
c.Transmission system
c.Brake system
d.paintwork
e.Bodywork
f.Instrument pannel
g.Exhaust/Engine noise
h.Steering system.
After inspection STA centre will give a grade of the car from which you will be able to know that wheather the car is road worthy or not.

Inspection of the interior and exterior parts of car

check the mileage

Generaly the car with high mileage for example 2,500000km,is not favourable for purchasing.So one must check the mileage of the car while purchasiong a car.The car with mileage 2000km is genaraly considered as a good car.Beaware of cars which may have undergone restoration after a serious accident or cars which have not been properly maintained.If the average mileage be mre than the considerable levels,it will give the opportunity to lower the price.

Check all lights

Before buying a car the lights all around the car should be checked properly.Dssboard light,headlight,ceilling light,hazard light,turning light,map light,parking light,backup light,brake light,side light etc must be checked while purchasing a used car by turing off and on button.

Check the chasis

Pits,scratches,holes indicates the poor condition of the car which should be covinient while purshasing the car.However these type of damages are not major problem for car but the advantagages of these problems can be taken giving low price to the seller.

Check the rust

Little rust on the exterior part of the car such as screw is not considered severe.But if rusts are present in the iterior part such as inside the carpet,you should turned around and go for another one.

New car vs used car

The most significant advantage of buying a new car is it's warrenty.Due to this the buyers get free services from the company in any major problem.On the other hand used car has no such waranty thats why it has less demand than new car.Although the interior and exterior part of a new car may be colean or free from scratches but sometimes a new car may come with problems associated with poor designs and manufacturing defects.As a consumer it is difficult to purchase a used car which suits to him compare with prices.So if anyone has the ability to purchase new he should purchase the new car.But if we observe the above mention graph it is clear that at present consumer are more atracted to quality based used car than new car due to it's low prices.

Diesal or petrol engine

Now a days dieasal engine is more preferable to consumer than petrol engine due to it's less noise and less fuel consumtion property.All around the world the demand for the diesel engine are growing slowly.Of course there are some definite reason for it.Diesal engine have achieved more mileage figure,produced better torque at a lower rebs.Moreover newer generation of diesal engine releses clear emissions which is less harmful for environment than petrol engine emissions.