Automobile Insurance Claim – How to File an Auto Insurance Claim

By: David Ackland

Filing an auto insurance claim is one of these things everyone hopes they never have to do, but unfortunately some of us will have to do just that on occasion. It is never easy to deal with the aftermath of an automobile accident. Many automobile insurance companies advertise that their claim process is the easiest and that they will help you through the entire process. Now is the time you hope your car insurance company will stand behind those statements.

After an accident it is recommended that you call the police. Even if the other driver is pressuring you it is a good idea to have an officer come to the scene. They are an impartial witness that can be invaluable when it comes time to deal with the car insurance company.

Exchange all of your information with the other driver. It is essential to make sure you have their auto insurance information, license plate number, and a copy of their driver’s license. This way there can be no confusion or deception later as to who was driving the other vehicle.

Ask the officer at the scene if your vehicle is safe to operate. If it is you should drive home immediately and call your car insurance company. If it is not you should call the insurance company from the scene and ask if there is a specific repair shop it should be towed to. Auto insurance companies often have relationships with certain garages. This will save you the aggravation of having to have the car towed to a certain shop after it has already been towed somewhere else.

When you call your auto insurance company be sure to have your policy number handy. Explain exactly what happened, even if it was your fault. Telling the truth is always preferable to hiding something that will probably come to light later anyway. If the other parties insurance company contacts you it is best to refer them to your insurance company and not to comment further.

Your car insurance company will likely send someone to assess the damage to your vehicle. The insurance company will pay your claim based on the assessment. If you believe your auto insurance claim was denied unfairly you can appeal with the car insurance company itself. If this does not resolve your dispute you should file a complaint with the state division of auto insurance or your Attorney General’s Office.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2477.shtml

With Car Loans, The Desire Of Driving Your Passion Comes True

By: Eva Baldwyn

Wishes and desires play a very important role in life as far as the personal satisfaction of a person is concerned. But this desire also may take shape of a need which you cannot ignore. One such need is a car which may be desired early on but with the fast pace of the world, it is important to own one as well and this can be easily done with the help of car loans.

With these loans available so easily to the borrowers, owning an automobile is no distant dream now. Everyone can own it and use it for their need when traveling in the public means somewhat expensive and time-consuming. Borrowers can buy a car which is either new or old depending upon the personal wish. Any car which is 5-7 years old can also be bought with the money borrowed.

These loans may require the borrower to make a choice. If the borrower chooses the secured option for his need, then he will have to pledge the car being bought as collateral with the lender. This will help the borrower in getting a low rate of interest for these loans as repayment is assured due to security pledged.

However if the borrower does not want to put his car to any kind of risk, he may take up the unsecured form of these loans. This form will not require the borrower to pledge any assets and just a slight raise in the interest rate will have to be agreed upon by the borrower in order to take up these loans. The term of repayment for these loans is 5-7 years irrespective of the choice that the borrower makes between the two options available as the market value of the car starts to decrease after this duration.

Car loans facilitate the borrowers in buying a car for their use. These have empowered the people that they too can easily match up with the world and a car is no more a luxury but a need.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2420.shtml

Dodge Chrysler 2.7L Engine Problems, Oil Sludge, Defects and Failure

By: John Stanley

From 1998-2000 2.7L Engines are prone to premature catastrophic engine failure due to a defectively designed Timing Chain Tensioner that Chrysler quietly redesigned. Unfortunately, many consumers have had to pay out of their own pockets for this while Chrysler avoids responsibility.

From 1998-2004 Dodge / Chrysler 2.7L Engines are prone to Oil Sludge often caused by internal coolant leakage that has to do with the design of the Water Pump that allows coolant to enter the Engine over time and cause oil sludge, experts at a well known remanufacturing company say. The second common cause of engine sludge is from poor oil circulation caused by oil passages that are too narrow causing the oil to wear down more rapidly unlike normal engines. Another contributing oil sludge factor is possibly due to an inadequately designed PCV system that can also accelerate engine oil breakdown, which Chrysler later made improvements to for the 2005 model year along with other changes knowledgeable sources state. Although Chrysler is aware and there is nothing consumers could have done to cause this, Chrysler still regularly blames consumers for 2.7L Engine Oil Sludge.

Chrysler is aware of certain problems and vulnerabilities the 2.7L Engine is prone to have and has quietly made various design changes over the years such as redesigning the Timing Chain Tensioner that was prone to premature failure in 2000, to making changes to try and prevent internal coolant leakage over time into the crankcase. For 2005, changes included improvements to the PCV system and for oil circulation, to even later increasing oil capacity by an extra quart in an attempt to make the engine more robust. Unfortunately, even with all of these modifications we have been informed of premature Dodge / Chrysler 2.7L Engine failures in 2006 Dodge, Chrysler vehicle models.

Chrysler refuses to cover prematurely failed engines even when under its own 3 Year / 36,000 mile warranty while blaming consumers for these problems. These problems are so common and so well known that extended warranty companies also decline to cover Chrysler 2.7L engines. In many cases consumers have changed or had their oil changed every 3,000 miles with name brand motor oil. Many consumers have been able to provide proof while Chrysler still refuses to cover failed 2.7L engines under warranty. It is a common misconception that sludge is caused by brand or type of motor oil since all motor oil sold must meet the same basic standards. However, if the oil was changed regularly then Chrysler might say ‘it must be the brand or type of oil you used then’. If you can prove that you used a leading motor oil, ‘where did you have it changed?’. Chrysler might then tell you they are not going to be able to cover it then because you changed your oil yourself or had it changed somewh ere else. In fact Federal Law (Magnuson-Moss Act) prohibits an automobile manufacturer to void a warranty or deny warranty claim based on using aftermarket tune up or maintenance parts, such as spark plugs or motor oil for example or 3rd party service, unless provided free of charge. There are other consumers who have followed the intervals recommended by Chrysler in their vehicle’s owners manual that state oil changes up to every 7,500 miles are acceptable in normal conditions where they’ve changed their oil every 5,000-6,000 miles only to be told ‘you didn’t change your motor oil enough and your engine failed due to neglect’. In fact, Chrysler even currently recommends oil change intervals of every 6,000 miles for normal conditions in current owners manuals. When vehicles are purchased used from dealers and used car lots where consumers often believe they have no proof of regular oil changes prior to their ownership, Chrysler typically automatically refuses warranty claim s blaming the previous owner. When a consumer has proof or reg ular 3,000 mile oil changes performed by a dealer we’ve heard of Chrysler going as far as to blame the dealer’s lube technician!

To find out more and how to fight this, visit http://www.dodgechryslerengineproblems.com

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2399.shtml

Secured Car Loan: Ameliorating Your Living Standard

By: Pamella Scott

Your desire for buying a car can be induced by several of your purposes. Depending upon your affordability you decide for a particular car that cost you accordingly. Whatever your choice is for a car, it cost a large sum for that. Generally you may not arrange that much money on yourself. Considering the needs of the people like you, a financial assistance has been devised to make efficient to buy a car of your choice. You avail this assistance in the form of secured car loan.

Secured car loan is a secured loan. You can avail this loan by putting the very car or your any other asset as collateral. The collateral is required for the assurance of your repayment and can be repossessed when fail to repay the full amount.

Secured car loans provide you with a sufficient amount for your desired car. The amount can be molded according to your requirement. Generally, as an amount, your car price can be financed up to 90 to 100%. You can repay the amount with a period of 2- 7 years taking account of your feasibility.

You can find a lower interest rate with the secured car loans that is common to every secured loan. Further, your good credit scored, income profile etc also can help you achieving a low cost loan.

Your bad credit status can not make hurdle while secured car loans is being applied for. This loan is approved even to them who are running with CCJs, arrears, defaults, bankruptcy etc.

The market is flooded with traditional lenders as well as online lenders. To make your approval faster you can rely upon the latter one.

Longing for comfort is a natural tendency of human being. You buy a car to make your mobility easier that ameliorate your living standard. With the help of secured car loans all these are easily possible even when you are unable to afford them.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2345.shtml