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Showing posts with label Car Insurance. Show all posts
Showing posts with label Car Insurance. Show all posts

Number Plate Cloning And Number Plate Theft

5:59 AM Admin , Posted in , , , , 0 Comments



Car cloning is the vehicle equivalent of identity theft of today.There are as many as 10,000 cloned cars on our roads, but many people are still unaware of the problem, and even the police admit they don't know the true scale of it.

How does it work?

There are various ways of cloning cars, most popular ways involves getting hold of other number plate (or illegally printed number plates) and using them on cars that the plates aren't registered too.

The vehicle registration mark on a number plate is the key piece of information that the Driver and Vehicle Licensing Agency (DVLA) use to look up keeper details on a vehicle record.

Stolen number plates are used on vehicles, by those who don't want to be found out when they commit such crimes as:

speeding

illegal parking

not paying congestion charges driving away from a petrol forecourt without paying not paying for parking tickets or speeding fines

'disguising' a stolen vehicle

The Most Common Ways This Is Done:

Criminals make a 'clone' of another car by replacing the number plates on their car with the stolen registration plates from an almost identical vehicle of the same make, model and even colour.

When the owner of the cloned car realises that their number plates have gone, they go to the trouble & expense to replace them, unaware that the cloned vehicle is now being used under its new identity for a load of law-breaking activities.

These activities can range from getting away without paying for parking tickets, speeding fines or even driving off a petrol station forecourt without paying. They can also be used in more serious crimes including organised crime and potentially, terrorist activity.

Many people have only discovered that they are a victim of this crime when they have suddenly started to receive parking tickets for places they haven't been, or other fines or endorsements that have nothing to do with them.

As the onus is on them to prove their innocence, many victims have been left in the difficult situation of paying up or letting the issue go to court, simply because they cannot prove it wasn't them who carried out the infringement.

Wendy Rowe, boss of leading vehicle security company Retainagroup explains:

"The owner of a cloned car who receives fines, charges, penalty points or is accused of stealing fuel or involvement in more serious crimes has the difficult task of proving that he or she is innocent. I wonder how many have just taken the hit and accepted a fine or penalty points rather than challenge the system?"


"If the car is used as a getaway vehicle or in a ram raid, there will be a further victim of the original crime. And if you're unfortunate enough to 'buy' a cloned vehicle, you'll find that you don't own it and that you can say goodbye to the money. Even a vehicle provenance check will not necessarily reveal a clone."

What can we all do to stay 1 step ahead of cloners?

Make it hard for them to get your number plates off, make sure your plates are attached with clutch head screws & caps & double sided adhesive tape.

If you notice your number plate has gone don't just presume it must have fallen off on the road, report it to the police straight away this will prove that you reported the theft should your car be cloned and your registration be used at a later date.



If you have ever had to replace your number plates, it is worth considering why, as well as where you can buy them. Graham Baylis has been working with a 4plates, a company that supplies number plates, for many years now, and with the instance of car cloning increasing, wanted to pass on some advice. For more information see http://www.4plates.co.uk

Article Source: submityourarticle.com

Car Accident and Insurance Company Secrets

5:39 AM Admin , Posted in , , , , 0 Comments

In any big city, traffic can be appalling, and this is particularly true during peak hours of the day. A car accident in Cincinnati, St Paul, Tampa, San Diego, or any major city can result at any time. As everyone knows, a car accident can range from trivial to very serious, even resulting in fatalities. Thankfully, in quite a few accidents the damage is chiefly to the autos involved, and personal injury is marginal.





Now if you're involved in a motor vehicle accident you'll in due course (and most likely sooner) be making a telephone call to your insurance representative. But it may well come as a shock to you to find out that the advice you receive from your agent may not be trustworthy, and we're going to examine the reason why.





But before we begin our explanation, let's talk briefly about a "Direct Repair Program" and explain what it is. Insurance providers have a "network" of repair shops with whom they have written agreements. In our example the body shop is under agreement to restore the insurance company's customers' cars. The insurer is in return, required to advocate that body shop to their clients in need of auto repairs.





Under the arrangement the auto body shop, when estimating repair, must base those estimations on the use of aftermarket parts. And the collision shop may additionally be required to bear all liability for auto repairs and indemnify the insurance company from any lawsuit the customer might bring.





Now here's the reason this agreement is so troubling: the automobile parts the body shop is required to utilize under this contract, while less expensive, are at the same time of lesser quality versus parts that initially came with the car. The aftermarket parts are not only ineffective, but utilizing them to affect car repairs can result in a deadly vehicle.





But if using such parts can prove so serious, what's the reason a insurance provider will steer you to a body shop that uses them? In a word, PROFITS - given it means the vehicle repairs will be less expensive, and that the insurer pays out lesser claims. Hence your insurance provider is going to be saving money to be able to increase their earnings, at the expense of compromising the value of your vehicle, and possibly your safety and that of your family members!





So because second-rate parts were used in order to save your insurance company some money, the outcome may well be another (and possibly more serious) accident as a result.



Image Courtesy: funny-games.biz



Whenever you're involved in a car accident, turn in a claim, but your agent desires you to visit a body shop of HIS choice in lieu of one of yours, listen for the following:





"It's going to cost you far more to go there " - "If you go to that shop, we cannot guarantee the repair work" - "Never head over to that body shop since we can not offer you a rental car if you go there " - "They won't agree with our appraiser" - "We've had difficulty with that body shop" - "They are not on our preferred list" - "If you go to a non-preferred shop your repair will be delayed waiting for our adjuster to inspect the vehicle" - "We can pay our preferred shops directly, and save you time"





All of these statements are either misleading or are straight up falsehoods. Don't be misled by them!





You should not allow your insurance company's desired resolution of a car accident to bring about another (and possibly more serious) motor vehicle accident. Know your rights, and choose a repair service that places good quality work and safe repair practices above insurance company referrals!

Your next step is to get the free e-course "Insurance Dirty Tricks." If you have a car accident, your insurance agent may make some untruthful statements to get you to use the repair shop of his choice. Find out why those statements are false at: http://www.cincinnaticaraccidentinfo.com



Article Source: www.submityourarticle.com

How Do I Choose My Car Warranty

6:14 AM Admin , Posted in , , 0 Comments

After the factory warranty has ended on your car you can still have coverage with an Extended Vehicle Warranty.

With an extended car warranty, you can avoid unexpected expenses due to a vehicle breakdown or malfunction. Policies generally provide a choice of bumper-to-bumper, full comprehensive, powertrain or powertrain enhanced coverage. Each level of coverage has more or less overage than other policies.

Bumper-to-Bumper Coverage auto warranty plans are the most comprehensive available. However, despite the name, a bumper-to-bumper plan does not necessarily cover every part of your automobile. A comprehensive extended warranty plan covers most auto parts, and these will be specifically listed on your policy. With a Powertrain Coverage you can protect your vehicle's powertrain i.e., the engine, transmission, drive shaft and drive axle. Again, as with the bumper-to-bumper and comprehensive options, the parts covered will depend on the specific policy.

So in picking an extended auto warranty policy, you have the three main levels of coverage listed above, and for each of these levels there will be a range of plans to choose from.

For example, a cheaper powertrain auto warranty might only protect the engine, transmission, and water pump. Electrical components plus the drive axel and shaft are included in the coverage with a Powertrain Enhanced policy. Generally, the more comprehensive plans will cost more, but prices can vary widely from company to company due to competition and other factors.

Choosing the right extended car warranty will depend on your budget, and also how much peace of mind you require. You might want to consider the history of your car, and its general reputation for reliability when choosing a plan. Also the mileage and wear-and-tear on the vehicle are important considerations. If you depend on your vehicle for long commutes, a more comprehensive auto warranty is probably desirable.

You also should take into account the provider of the extended car warranty as the quality and reliability of service can vary significantly. Use companies with industry standard credentials and that have memberships in professional business associations like the Better Business Bureau. Do your own homework into a warranty companies reputation and ask for references. Information can be found on the internet about any Warranty Company.

Carefully read over the fine print of any policy before making a final decision. No whats covered and whats not covered and what if any exceptions there are.


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Visit http://www.usdirectprotect.com or http://www.carservicecontract.com to learn more about the different levels of coverage and how to choose the best coverage for your family.

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