Posted by Melvin on Sep 4, 2010 in
Stormy Life There are hard feelings to beat, like the feeling of driving a vehicle that you adore. Some people long to drive a luxury sports car they have been lusting after, whilst others prefer the idea of owning their very own 4×4.
There is something to be said about the amazing experience of driving a 4×4. Naturally, it is very different to a normal motor vehicle, as it is powerful and large. You will find that you have a very elevated vantage point, and will be able to see around you more clearly in traffic. This can make you feel safer and more in control.
There are many other reasons why you will feel safe driving your 4×4. 4x4s are created to handle off road situations, and will therefore have much better handling and driving capability. Driving a 4×4 on wet roads feels much safer than in a normal car. More and more 4x4s are being created in luxury, and are therefore an absolute pleasure to drive. The inner cabins are spacious, and allow for a great feeling of comfort on journeys. Luckily, there have been advancements in modern technology that have made it so that 4x4s are not as heavy on fuel anymore.
There are so many positive aspects to driving a 4×4, but naturally the best part is its off road abilities. There is something fantastic about driving a vehicle that you know can take you anywhere you want to go! 4x4s can conquer the trickiest of sand dunes, and can also traverse streams, climb up rocky terrains and drive on the dirtiest of roads. There is a lot of freedom in that you can go just about anywhere. You will need to read your owner manual before you embark on your 4×4 adventure, because there are sometimes features in the vehicle that teaches you how to drive it in difficult situations.
Posted by Melvin on Sep 4, 2010 in
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Posted by Melvin on Sep 4, 2010 in
Stormy Life Cincinnati is a major city in the State of Ohio, located on the Ohio River with a population of roughly 1/3 million (1.6 million inside the metropolitan area). Being a city of this size, it’s a given that you will get a great deal of automobile traffic (particularly during peak traffic hours) and so it’s not really unusual for there to be car accidents in Cincinnati. At any time there is no scarcity of vehicle owners hunting for a good Cincinnati body shop. to fix their auto.
Now how do most local people pick a Cincinnati body shop? Because being involved in a vehicle accident means turning in an insurance claim, most people don’t really go looking for a body shop, but go to the one advised by their insurance representative.
When you submit a claim, your agent will suggest a auto body repair shop where you can take your automobile for vehicle repairs. But although going to a recommended shop may seem like a great convenience to the client, it isn’t really a good idea! Let’s talk about why that is.
Insurance companies have a kind of network of collision shops within something called a “direct repair program.” The company teams up with a repair shop and has a contractual agreement with that repair shop. The body shop agrees to provide vehicle repairs for the insurance company’s claimants. The insurance company’s part of the agreement is to steer their clients toward that auto body repair shop.
Often the shop is required, under the contract, to write all quotes working with aftermarket auto parts. However that’s not all – should a lawsuit result as a result of substandard repairs, the body shop is under contract to indemnify the insurer and carry liability.
Now you may well be thinking “So the Cincinnati repair shops in the program are required to write estimates utilizing aftermarket parts. “So what if they are utilizing aftermarket auto parts?” What you are about to learn may well come as a shock to you.
The term “aftermarket parts” refers to parts made by someone besides the maker of the automobile. Aftermarket producers are mostly located outside of North America, typically in Taiwan.
Luckily for your insurance carrier, these types of auto parts are less costly than OEM (original equipment manufacturer) parts, thus saving the company money which results in higher profits. But regrettably for you, they are normally inferior to components built by the maker of your automobile, or his specified vendor. They may result in vehicle repairs the are unsafe or, at the very least, are likely to fail, leading to more vehicle repairs to become needed.
Now you may be thinking why, if saving the insurance firm money means lesser repairs (for which there might be a liability problem) exactly why would a Cincinnati body shop willingly enter into the insurance company’s direct repair program in the first place? The answer is simple: they don’t want to be forced out of business! Because it’s a matter of the survival of their business. What happens if they refuse to sign, is that the insurers will send their customers to other repair shops.
But let’s say you’ve been involved in a auto accident but prefer to take your automobile to a Cincinnati body shop that does not have an agreement with your insurer. Your insurance company may decide to make your life a lot more difficult in the way of convincing you that you made an error. For example, they might purposely delay sending an adjuster to look at the damage for 2 or more weeks, or they might refuse to pay for repairs.
Does this create a hassle for you? Undoubtedly! But it’s well worth it if your only other choice is to go to their “preferred” repair shop and have to endure the potential outcome.
To conclude our discussion, if you have a vehicle accident and require your automobile fixed, do not neglect to do your homework. Find out if the repair shop you’re taking you vehicle to uses aftermarket or salvaged car parts, and if so, look elsewhere to get your auto repaired. And if your agent says “They won’t agree with our appraiser”, “We’re not able to work with that body shop”, or “We can’t guarantee the repair when you go there” be aware that these and other similar statements are misleading at best, and at worst, outright falsehoods!