4 Most Important Points to Consider While Finding a New Auto Repair Shop

Whoever owns a car has always a trusted auto repair shop in his/her locality. However, when someone moves to a new city, he needs to find everything from scratch. Just like you need to find a new house, a new telephone connection, and a new doctor, you should also find a trusted auto services center that can help you in maintaining your vehicle. Looking for an auto shop near your new house right in the beginning will give you ample time to search and find out the best and will make it easier for you to deal with car problems in emergency situations. Given below are few tips that will make it easier for you to find a good and trusted automobile shop:

Visit Different Shops and Check their Equipment
You can make an online search and quickly find out the list of these shops located in your vicinity. You can then shortlist a few and visit them. Make sure that the auto technicians are using advanced equipment needed to diagnose problems with modern day vehicles. If you find it difficult to determine the quality of equipment they are using, feel free to ask. Even though you are not much knowledgeable about different types of vehicle equipment, you can still get an idea.

Inquire About their Rates and Services
While you are visiting the shop, look around to check if they are clean and organized. You can inquire about their hourly rates, prices of replacement parts, quality of repairs made, fair shop rates, etc. You can also ask customers present there about their experiences in using the services of the auto shop. Don’t forget to ask the customers about their consistent quality service and customer care department

Check their Certifications
Certifications are given to auto technicians only after they pass a rigorous review process. Therefore, a certified auto repair shop is always better than non-certified ones. Check if the shop has any certifications from car manufacturers.

Check for Complaints with BBB
You can check with the local Better Business Bureau to ensure that no complaints are filed against the repair shop. Whether the repair shops are part of BBB or not, they can still have complaints about the shop and their services.

It is important to take care of the above mentioned points and search for the right auto center in the new city. Even though it may take time, but a little patience and some effort will help you find the right auto repair shop much before you need it.

Used Cars – Not Just Any Used Auto Extended Warranty Plan Will Do

While companies that sell used cars to the public and offer used auto extended warranty plans for their vehicles are definitely the best places to buy used autos, make sure you read the fine print on the particular extended warranty plan you are buying. Some used auto extended warranties will contain exclusions that limit the seller’s liability when a second owner purchases a used auto.

The used auto aftermarket is a huge business and it is definitely a place where the old “buyer beware” caution applies. It is important that you do your homework, that you read the fine print and that you understand the differences between warranty programs that cover cars & trucks that may or may not have been used commercially and used autos used solely by individuals.

Before you purchase your used vehicle, check out the company that stands behind the warranty. How long have they been in business? What’s their track record in paying off claims? Is it the same company that has done the evaluation of the used vehicle’s current condition?

Companies like 1SourceAutoWarranty, Warranty Direct, Warranties4Wheels, E Warranty Solutions, AA Auto Warranty and Warranty Warehouse that have been around for quite some time, have sterling reputations and deal extensively in the auto aftermarket are companies you can rely on for honesty, trustworthiness and security.

Make sure when you buy that used auto and you select the perfect extended warranty program for you that you get the plan that fits your vehicle and driving style so that you get the security that you paid for.

Selecting the Best Pressure Washing and Power Washing Equipment for Car Washing and Auto Detailing

Car washing and auto detailing professionals seeking commercial grade pressure washing and power washing equipment must evaluate the various technologies on the market while critically examining features and components. Only then can they begin to select the best pressure washing machines for their particular applications. Many in the car washing and auto detailing industry often make a mistake by selecting low-priced, under-featured power washing equipment that will absolutely not last. Pressure washing equipment pricing is a consideration, but not at the risk of negatively impacting quality and performance.

Unfortunately, many feel pressure washing and power washing machines are similar, but that could not be further from the truth. Retail stores like Lowes and Home Depot offer a variety of pressure washing equipment, but the reality is the system components, motors, pumps and other parts are just not designed to for heavy-duty usage over time, especially when one considers car washing and auto detailing. Logic rules when the one compares the pricing of one of these light-duty power washing machines to commercial and industrial pressure washing systems selling for hundreds and even thousands of dollars more.

Commercial pressure washing machines are excellent for the car washing and auto detailing industry and sold in a variety of configurations and technologies. A car washing or auto detailing business can purchase a cold, hot, or even steam power washing machine powered by electric, propane, gasoline, and even diesel technology. The pressure washing machines’ psi and flow rate will also impact car washing and overall auto detailing performance and cleaning results. The best pressure washing and power washing equipment can last for more than twenty years.

Professional car washing and auto detailing work should involve hot water power washing equipment as the goal is to wash cars and vehicles more quickly and effectively. Cold pressure washing systems simply lack the higher temperatures that are so necessary to help clean the car surfaces more deeply and dissolve substances more quickly. Only higher temperature power washing machines are capably of delivering that kind of performance.

Certainly, auto detailing and car washing success is dependent upon the customer’s satisfaction with the cleaning job. Pressure washing and power washing cleaning chemicals are a critical aspect of any car washing and auto detailing business, but the type and safety of the chemicals is important as well. The EPA closely monitors the car washing and auto detailing industry to help ensure runoff is captured without pouring down storm drains. Car washing and auto detailing professionals must employ whatever systems are necessary to ensure regulations are met, or else the EPA will impose stiff fines.

Green cleaning chemicals and solutions have become the buzzwords in the car washing and auto detailing industry. Be very careful to carefully review and evaluate the green cleaning chemicals presented to you to help ensure they perform as well as the vendors claim for your car washing and auto detailing business. The car washing and auto detailing industry is laden with traditional cleaning chemicals as well as the more popular green cleaning chemicals, but many do not work well. Your task is to weed out the good from the bad before making a decision. Nano technology is the latest offering in green cleaning chemicals and will make a dramatic impact in the car washing and auto detailing industry.

Your car washing and auto detailing business may require the use of electricity rather than fossil fuels to power as well as heat a power washing machine. Many in the car washing business wish to use pressure washing equipment with a lower flow rate, especially if drainage is a consideration within their facility. Fortunately, all electric, hot, low flow, high pressure washing equipment is available on the market to meet your needs. Often these high-performance power washing machines require a minimum of 220 volts of power, so you may need an electrician to make the necessary changes within your facility.

Make an informed decision before purchasing pressure washing and power washing machinesfor your car washing and auto detailing business. Your customers’ satisfaction and the success of your operation depend upon it.

Credit Union Auto Loans – 7 Keys to a First Time Buyer’s Approval

Credit union auto loans are great for first time buyers in need of money for an upcoming vehicle purchase. In fact, credit unions are usually the best source, because they will typically offer rates and terms to first time buyers that can’t be found with other auto lenders.

Unfortunately, not all first time buyers will qualify.

Here are 7 key factors that credit unions consider in their auto loan approval process:

1) Your Credit Rating

There are essentially four credit situations a first time buyer will be in:

Toughest – i) No credit with collections, i.e. medical, cell phone, utility, judgements, tax liens, etc.

Tough – ii) Absolutely zero credit, no good and no bad.

Easier – iii) Limited credit with short history. You might have a small credit card(s) and/or under two years history.

Easy – iv) Long history, but no prior auto loans. You may have had auto loans in the past, but they are older and no longer show on your credit file.

2) Are You A Current Member

It’s not always necessary to be a member prior to applying for a credit union auto loan, but credit unions have been known to stretch a little for their existing members.

The longer you have been a member, the more money you have in your account and your monthly activity, i.e. regular monthly deposits, all may help when making a decision on a border line application.

3) Your Total Down Payment

Many first time buyers are able to get approved for a credit union auto loan with no money down, but the other factors on this list will be looked at more closely.

It will definitely help if you are able to show your commitment to the vehicle with a large down payment. Credit unions look at large down payments as glue. The more money you have invested up front, the more “stuck like glue” you will be to the vehicle and therefore, it will be that much harder for you to walk away from the vehicle in the future.

4) Your Employment Stability

Most credit unions will want to see a minimum of 12 months on the job, with 18 months being preferred. Often times they will consider how long you have been in the same line of work, if you have had multiple jobs over that time period.

5) Your Ability To Repay The Auto Loan

This is usually figured using a Payment To Income (PTI) ratio and a Debt To Income (DTI) ratio. In order to get approved for a credit union auto loan, most first time buyers will have to have a PTI equal to or less than 15-20 percentĀ of your gross monthly income.

Your DTI takes into account all of your monthly bills, including your new auto loan payment, and will typically need to be equal to or less than 40-45 percentĀ of your gross monthly income.

6) The Vehicles Age and Miles

Not all, but many credit union auto loan approvals will be affected by the vehicles age and miles. Most of the time they will be flexible on the age and not quite so restrictive, but many will not finance vehicles with over 100,000 miles.

If vehicles with 100,000 miles or greater are allowed, then they will often times want to finance for shorter terms, which in turn can impact your monthly payments.

7) The Total Amount Financed

The sky is certainly not the limit when it comes credit union auto loans for first time buyers. Most credit unions will cap the total amount financed at somewhere between 8,000 and 12,000 dollars.

Prior credit history will typically be the biggest factor in determining how much a credit union will loan you and this total amount financed range is usually reserved for customers just starting out with a limited credit history.

Summary

Not all of the factors above need to be met in order to get approved for a first time buyer auto loan, but the more the better. You can lack in one or more areas, but make up for it in another.

In my opinion, all first time buyers should consider a credit union auto loan as their first source for money when buying a vehicle. They typically offer the best rates and the best terms, while at the same time allowing you to establish a solid history with a lender you may do business with for many years to come.

Affordable Auto Insurance – Helpful Information on Auto Insurance

There are different rates on auto insurance affected by factors like the cost of the car, what features it has especially regarding security and the driving skill of the owner. Many customers of auto insurers fall prey to the terms and conditions policy that are included in policy which is meant to extract more cash from the client. A careful look at the quotes would give you an idea about insurers and their offers and and also help you make the best choices.

Not all auto insurance policy provides adequate cover for their customers who would only discover this after some incidents. Many insurance policies are quite alright but select the one that gives you adequate cover at the best rate and which does not have hidden charges tucked in somewhere.

A foolish idea it would be to pay so much for a policy when you have so many other ones that would offer you the same coverage at a lower rate. To help you find a good rate, always compare quotes for the coverage you need. Do not be in a hurry when making comparison on quotes comparison sites. Carefully study the quotes provided online, fill the forms and download on your PC whatever information you are sent. This will help you make good selections on companies and their insurance scheme.

Auto insurance is meant to provide you coverage in case of an accident and or loss or damage depending on your coverage plan so you should not choose a policy just because its cheap. Going for just any cheap auto insurance coverage could turn out to be expensive afterward.

The major reason for online quote is that it helps you find policies with lower premium and good coverage. Local agents would not offer you a 24 hour service but you can always rely on online service providers as they are accessible round the clock and provide prompt services. With auto insurance quotes, you are sure to find an insurer that would suit your need. When you have decided on a policy that suits you, you then can sign up. This would help you gain lower rates.

Here in the united states, Alaskan law on auto insurance and driving is the most stringent. The many pre- requisites on coverage makes getting auto insurance policy in Alaska difficult. Alaska also has one of the highest rates on policies. Customers of auto insurance in Alaska should have to make serious researches in order to find a comfortable policy.

Third party auto insurance policy only cover the damages done on the vehicle you hit and also those injured in the process and not you. This means the insurance company would pay a substantial fee for medical and damages caused. These should make you look for auto insurance policy that provide additional coverage. Of course these will surely increase your rates on.

If you are in Alaska and you want an auto insurance policy that would give you a better coverage then a comprehensive auto insurance policy will do for cover against theft, accident, arson e.t.c. So many insurance companies operate in the United states so you can make comparison on quotes comparison sites to find out the insurer and policy that is best suitable for you.

Top Michigan Auto Accident Lawsuit Mistakes and How to Avoid Them

These five mistakes are most often made by auto accident victims during a lawsuit, playing a crucial role in hurting good people with legitimate cases. This article is intended to help honest people avoid making innocent mistakes that insurance companies and defense lawyers can exploit to avoid responsibility for damages they owe.

Mistake #1: Waiting too long after your auto accident to talk to a lawyer

There is a one-year time limit to apply for benefits in Michigan for a first-party no-fault case. Michigan no-fault law covers important auto insurance benefits such as wage loss, medical bills and mileage, replacement services (chores, help with children) and attendant care (nursing services), based upon the severity of your personal injuries. In Michigan, medical bills are generally paid by the car accident victim’s auto insurance carrier. If you do not apply in time, you will not be able to receive your benefits.

In addition, when auto accident cases are referred too late, critical and debilitating injuries are frequently missed, and documentation of injuries is disregarded. Sometimes car accident victims don’t understand how serious their injuries are, and therefore, do not seek appropriate treatment. Treatment for personal injuries from auto accidents is not only necessary for proper recovery, but creates a record of the injuries, which is necessary to meet Michigan’s injury law for recovering damages in an auto accident case. Additionally, all car accident injuries (even minor ones) must be documented on your Michigan no-fault application for benefits. A person who suffers injuries in an automobile accident but who fails to give specific notice of each of those injuries to his no-fault insurance company within one year can later be barred from having the insurer pay medical bills.

Regarding a truck accident case, critical documents to prove liability can be destroyed within months. For example, if a truck was involved in your accident, a trucking company is only required to keep the bulk of their records concerning a truck accident – no matter how serious the injuries or even if someone was killed – for a very short period of time. The destruction of these and other incredibly important pieces of evidence in serious truck accident cases is not only legal, but commonplace. If a lawsuit is not filed in a timely manner, these documents that are vital to proving negligence on a truck company’s behalf will be legally destroyed, and that can devastate a truck accident case.

Mistake #2: Not considering first impressions and Internet activity during pending lawsuits

Everyone is entitled to their own opinions and beliefs, but auto accident victims with pending personal injury lawsuits should also remember that some opinions, whether political, religious or social, can offend or turn off jurors who do not share the same views. If there’s one universal truth about winning trials, it is this: Juries tend to help people they like, and tend to punish people they do not like. Plaintiffs in personal injury lawsuits must keep this in mind.

Please consider the recording you leave on your cell phone or answering machine. An insurance adjuster will likely be calling you repeatedly, and if she finds something questionable or offensive, it can affect how that insurance adjuster handles your claim.

Of course, in the realm of innocent mistakes that car accident victims can make, your answering machine message is pretty minor in comparison to say, posting certain information on MySpace or Facebook. For example, a victim who was disabled with closed-head injuries from a truck accident posted pictures of themselves skiing or hiking on an online social networking site. These pictures are completely innocent, and were taken before the person was ever injured in the accident. But the accusation of fraud by defense lawyers can be enough for suspicious jurors who are ready to assume the worst about a person.

Here’s another example: A client neglected to change his message after his car accident, leaving his professional business voicemail greeting, even though he wasn’t working because he was disabled. The defense lawyer used the message against him in court, implying that he was still working and soliciting business. You never know who is listening.

Outside of phone messages, accident victims must always think about the overall impressions they’re leaving, because if a defendant insurance company decides to conduct video surveillance, a jury will see facets of a plaintiff’s life that might have the potential to offend people. Remember, complete strangers may one day be sitting in judgment on your jury. Why risk offending people who will be asked to return proper compensation for your accident?

Mistake #3: Applying for Social Security Disability (SSD) without consulting an attorney

People injured in Michigan car accidents and collecting no-fault insurance benefits are frequently told by their insurance companies and claims adjusters that they must apply for Social Security Disability (SSD). But it’s a big mistake for an auto accident victim to consider a Social Security Disability application or SSD claim as separate from his or her automobile accident case. It’s imperative that you contact your Michigan auto accident attorney as soon as an insurance adjuster instructs you to apply, to discuss how applying could affect your case. For example, if you’re accepted for SSD too soon, it could literally wipe out the entire economic recovery from your third-party case.

In almost all cases, especially when a no-fault insurance company asks you to apply for Social Security Disability, you are required to do so. But what happens next, such as appeals and other actions that an auto accident victim needs to apply, is very case-specific. This must be discussed with your lawyer, so he or she can point you in the right direction to minimize the impact on your existing auto accident case, and to avoid costly mistakes.
The practice of insurance companies requiring the accident victim to apply for Social Security Disability has led to abuse, of which many Michigan auto accident attorneys have become all too familiar: Some insurance company adjusters threaten auto accident victims who want to return to work to apply for SSD as a requirement to keep receiving their no-fault insurance benefits. They urge these accident victims to then re-apply and keep appealing if they are not awarded disability benefits.

The reason Michigan insurance companies are requiring you to apply is simple – it saves them money. But there is no basis under Michigan law to have a person apply for Social Security Disability benefits and then be forced to appeal after a denial, just because a no-fault insurance company adjuster is trying to cut costs.

Mistake #4: Forgetting to take pictures and video of injuries and car damage

One of the biggest problems auto accident lawyers face is that accident victims do not take photos of their injuries. Taking photos is critical. Pictures are objective, credible evidence, and they help to correlate a car accident with the occupant’s trauma; especially when the defense later contests that the collision wasn’t severe enough to cause the claimed injuries. Additionally, taking photos of injuries is compelling. It makes the injuries real, believable and vivid.

Anytime an accident victim has a surgery or a visible injury, take pictures. Or contact your Michigan no-fault lawyer so he can send a professional photographer to document the injuries.

It’s also important to remember to take pictures of car damage. Crash repair estimates are often misleading and don’t reflect the full amount of vehicle damage.

Videos are also great tools to illustrate to a jury or an insurance company adjuster just how difficult normal tasks, hobbies and activities can be for someone in the days and weeks following major trauma or surgery. If you have problems carrying out everyday activities like bathing, laundry or chores, you may be entitled to make an attendant care claim. Michigan attendant care benefits are sometimes referred to as nursing services. Be sure to discuss this with your lawyer.

Why take pictures and video? According to Michigan law, victims of automobile accidents must show impairment – not pain – by proving “serious impairment of body function.” That means that a person can be in pain every day, but if she cannot show how life is different after the accident, it’s unlikely the case will be successful. Pictures help to document impairments.

Everyone knows the adage of a picture is worth a thousand words. And when it comes to getting a jury or an insurance adjuster to understand the hardship a person has been put through because of a car accident or other personal injury, this adage is vitally true. Take photos and videos of injuries and surgeries whenever possible.

Mistake #5: Failing to communicate with your lawyer during your pending lawsuit

The best way to avoid mistakes in a lawsuit is excellent communication with your personal injury attorney. There are so many confusing laws that can trap the unsuspecting and wreak havoc on a Michigan automobile accident case, even when people are trying to be truthful, honest and do the right thing. The best advice remains the simplest: Call your accident attorney if you have a question, and certainly before doing something that can have a major impact on your personal injury case, like filing an application for social security disability, not understanding why an injured person cannot file for unemployment or posting misleading photos of yourself on the Internet.

On another note, many clients hide information, such as a prior drunk driving arrest or poor school grades, because they are embarrassed. Understand in this world of computers and social security numbers, everything can be discovered.

Again, real support in auto accident cases boils down to a plaintiff being credible and likable. Because jurors want to do the right thing, they need to believe something is true in order to be motivated to help.

If there’s any basis of truth to a question being asked, admit it. There is no reason why a client cannot disclose something, and then explain the circumstances behind it. Remember, many things can be kept out of court as irrelevant and unduly prejudicial – as long as you admit to them and testify truthfully. And if you have questions, ask. It’s far better to discuss a concern with your lawyer before filing a law suit than to it is to be exposed in front of a jury.