Is Contract Hire Gap Insurance a Gimmick or A Real Must Have for Any Owner?

Traditionally buying a new business or personal vehicle is expensive. Contract hire and lease packages had made affording a new vehicle easier than ever. The no-nonsense simplicity of the package as well as the sheer flexibility means that it is quickly becoming one of the nations favorite ways of funding a vehicle purchase.

This attraction is now not only limited to the business world, instead growing numbers of the public all keen to take advantage of the low commitment and low initial outlay that the package offers.

So is contract hire gap insurance honestly worth buying? Will it actually work and do you really need it?

The Financial Conduct Authority are keen to promote a transparent finance and insurance market. A financial market in which the public can have confidence in, safe in the knowledge that financial services will do as they expect during the life time of their policy and offer real benefits.

So will contract hire gap insurance be able to stand the test of time and live up to the expectations of the market?

Many contract hire owners are now blissfully unaware that if their vehicle was written off or declared a total loss that they could be left not only with no vehicle but also with a shortfall to settle.

We also know that some contract hire providers make the concept of the policy almost impossible to understand. So what are the benefits of a policy?

Simply put if you have a vehicle on a contract hire package you are legally responsible for any financial shortfall between your insurance companies settlement on the day of loss and the amount outstanding on your finance agreement.

Please remember that for your contract hire company their primary concern is simply to get their money back. They actually do not mind if you make your monthly payments and then hand them back a physical asset at the end of the agreement. Or perhaps buy yourself out of the contract? For them it will and always has been about protecting their investment. The only time this can change is if your vehicle is written off.

At this time any differences between their expected residual value and the real market value are now your responsibility as well as any outstanding finance.

This means that unless you have a contract hire gap insurance in place you could be left with no car, having to find another deposit rental as well as clearing any outstanding rentals.

So is contract hire gap insurance a gimmick?

Insurance has and always will be about risk and what happens should a specific event happen. For the vast majority of contract hire owners we think that it is a safe and prudent choice. That is to say that you find a policy which can cover you and your circumstances. Also making sure that the price is fair and reasonable. In that case it is in our opinion a complete no- brainer.

Tire Shredders Are Essential for Junk Yards

There are a number of reasons why someone might want to purchase tire shredder equipment. For instance, if you are running a junk yard or something similar, you will find that tire shredding machines can help you to save a whole lot of money in regards to disposing of or recycling the hundreds of tires that will necessarily pass through your gates. If you are running any kind of junk yard and you do not have any tire shredder equipment, then you are behind the curve in regards to what you can do at your junk yard, and you could end up having more expenses than you need.

Tire shredders are absolutely essential to running an efficient junk yard, and they are also necessary if you are looking to protect the environment by recycling all of the tire rubber that you receive in your yard. Not only that, but there is also a whole lot of money to be made in recycled rubber, so it is very important that you utilize this kind of equipment while running your junk yard. You will generate a whole lot more revenue when you have this equipment, so it will also help you to generate more profit for your business.

Of course, if you have never purchased tire shredder equipment before, you might not necessarily know what to look for. This is why it is extremely important to research the different manufacturers of tire shredders in order to make certain that you are receiving a reliable unit that will last you a long time. You also want to make sure that you are getting a unit that is big enough to fit your needs, but not too big for the amount of tires that you will need to shred on a daily basis.

You will also want to investigate the prices of these different tire shredders in order to make sure that you are getting a good market price. If you do not research pricing, you have no reason to complain if you paid too much for your specific tire shredder equipment. There are many companies out there that sell tire shredders, so researching each one of them, the products they offer, and the prices of the products will help you to be certain that you are getting the best price for the piece of equipment that you decide to purchase.

Overall, if you do not have a tire shredder at your particular junk yard, you are missing out on a great opportunity to give yourself more space and generate more revenue. I highly suggest being a smart business owner in this regard and being certain that you are getting the most possible profit for your investment by purchasing the best, but least expensive, piece of equipment. If you take all of these steps, you will be able to maximize your revenue while keeping your expenses down, and that is the mark of a very good business owner in this field.

Diesel Injectors – How They Work?

Diesel Injectors are used for filling diesel fuel into a diesel engine or compression ignition engine. This fuel is directly injected into the engine with the help of Injectors attached to the cylinders of a diesel machine.

This fuel injecting system basically consists of the following parts – Fuel injection apparatus (nozzle and nozzle holder), fuel supply line, Air-intake valve, and diesel engine exhaust valve.

The function of the parts of diesel injectors is as follows:

An apparatus for fuel injection: Each cylinder of a compression ignition engine is connected to a fuel injector and therefore each cylinder has its own diesel supply line which carries the diesel from the diesel tank to the diesel engine. The fuel injector consists of a nozzle and a nozzle holder.

1. Diesel supply line: Each cylinder of a diesel engine has its own diesel supply line which carries the diesel from the diesel tank to the CI engine.

2. An intake valve: The role of an intake valve is to suck air into the combustion chamber. The air blends with the condensed diesel thus strengthening the combustion.

3. Diesel engine exhaust valve: It plays the important role of eliminating the emissions produced by the diesel combustion chamber.

Once the fuel comes in contact with the injectors, it becomes extremely pressurized. This pressure is created by a little pump that the injector is connected to. This little pump enables air to pass through the injector, consequently pressurizing the fuel. The highly pressurized fuel enters and flows down to the body of the nozzle holder and finally into the nozzle passage. A diesel injector has a needle valve that is closely connected to the spring located in the body of the injector. The compression nut stresses the spring to produce spring pressure and injector opening pressure simultaneously.

Once the needle valve opens, the fuel is sprayed by the diesel injector through the tiny nozzle situated in the combustion chamber of an engine cylinder. The cluster of little holes in the nozzle ensures its equal distribution into the combustion chamber of the cylinder. The tiny holes are specially designed and arranged to break the fuel into tiny drops so that they can burn readily.

Next, the air intake valves carry air into the combustion chamber and gets combined with condensed diesel thus intensifying the combustion. Now the fuel engine exhaust valve gets rid of the emissions generated by the fuel combustion chamber. The return diesel line gets rid of the surplus diesel fuel by bringing it back to the fuel tank from the fuel combustion chamber.

This is how a complex diesel injector functions. Diesel injectors are known as the most intricate elements of a diesel engine. It has the ability to endure high pressure and temperature produced inside the cylinder and circulates equal quantity of fuel to the cylinder thereby ensuring smooth functioning of a powerful diesel engine.

 

8 Tips to Avoid Car Accidents

It doesn’t matter if you are driving alone or with someone, safety should be your topmost priority. With rates of accidents on the rise, it’s imperative for drivers to know the basics of safe driving. Every year, the number of car accidents happening is increasing exponentially and this is partly down to the negligence of individuals.

Some of the tips you should follow are:-

  • Avoid the left lane: If it’s a multilane, avoid taking the left or “fast lane”. Instead, take the centre of right one because it will give you the chance to quickly change lanes in case of any emergency. Also, most accidents happen on the right lane.
  • Keep your eyes focused: Never just see what’s immediately in front of your car only; look further ahead. Look for any traffic movement several cars ahead. This will give you time to react if any unforeseen events arise.
  • Beware of blind spots: Make sure to adjust your rear and side view mirrors accordingly so that you have a panoramic view of what’s behind you. If something is not showing in the mirrors, turn around and see it so that you don’t miss anything. If there is a big truck behind your car, ensure that you don’t get into the blind spot.
  • Keep your hands in 9 and 3 o’clock position: Most individuals take the lazy route to handle their car. They place the hand at 12 o’clock at the top of the steering or both hands at the bottom of it. But this is the wrong thing to do. Keeping your hands in 9 and 3 o’clock position will give you much more control of the car in case you want to take a quick manoeuvre.
  • Get your seat closer to the steering: Shift your seat toward the steering so that you hand can rest on the wheel. This will ensure that your hand doesn’t get much fatigued and you can easily manoeuvre your car.
  • Keep your car’s limit in mind: Whether it’s a vintage car or a sports one, a driver should always know what his/her car is capable of. To avoid accidents, one must always know what limits the engine, tires or brakes have. If you don’t know the limits, you can easily over stretch the car and end up in an accident.
  • Maintain your vehicle: Needless to say; you have to maintain your car in the proper condition in order to work properly. Service the car frequently and use only high-quality motor oil sot that the car doesn’t break down in the middle of the road.
  • Avoid practising at night: If you are new to driving, avoid doing it at night. At night, due to decreased field of vision, you will have to employ a far more defensive approach in your car. Also, never go down a dark road with malfunctioning head and tail lights.

These are just a few tips which should help you avoid accidents. But make sure you cater to these guidelines; it’s no use memorising these rules unless you follow it on the road.

Increased Speed Limits Are a Significant Factor in Car Accidents

Some Facts About High Speed Limits and Car Accidents

In 2014, the U.S. Department of Transportation reported that a total of 32,675 people died in motor vehicle accidents or soon thereafter as a result of injuries suffered from those accidents. This recent estimate of deaths was tied to over $242 billion dollars of taxpayer expense for annual economic ramifications of these deadly accidents. The high death toll of accidents is attributed to impaired driving, speeding, non-use of seat belts, distracted driving and other bad driving behaviors. Sadly, bad behaviors are the common denominator in these deaths, regardless of precise actions.

About 28 percent of motor vehicle crash deaths in 2014 were proven to be caused by speeding. Speeding has been the attributed factor for 30 percent of crash deaths since 2005. The definition of speeding when it comes to auto accidents includes crashes wherein the driver was ticketed for excess of speed or due to behaviors such as driving too fast for road or weather conditions, racing or blatantly exceeding posted speed limits.

Surprisingly, interstates and freeways where speed limits are higher are not necessarily where the danger lies, or where most accidents from this cause occur. In 2014, speed related auto accident deaths happened more frequently on minor roadways. 35 percent of these deadly high-speed car accidents happened on roads that were not highways. Interstates and freeways were the scene of only about 29 percent of deadly accidents blamed for speeds and other major roads with high posted limits were the site of only 25 percent of car accident deaths.

About half of the speed related fatalities of 2014 occurred on roads with legal limits of less than 55 miles per hour. These slower paced streets resulted in 9,262 related deaths.

But the Insurance Institute for Highway Safety (IIHS) blames more deadly crashes on increased limits. Researchers attributed 1,900 deaths in 2013 on roads with higher speed limits. They claim these fatal accidents counterbalance lives saved by airbags during the same year.

Car Accidents due to High Speed Limits are Common

According to studies, speeding is a factor in about one-third of all car crashes. It is a common occurrence as a car accident lawyer to see these types of related crashes. Unfortunately, people read crash reports and watch on the news the amount of accidents on a regular basis and never get used to the number of people injured due to the negligence of a speeding driver.

Despite the abundance of evidence regarding high-speed limit related car crashes, states and many cities continue to increase roadway speed limits, thinking auto safety innovations mean that drivers can drive at higher speeds without greater risk.

Some states feature speed limits as high as 80 miles per hour, while others enforce slow limits of as low as five miles per hour. These limits are constantly being challenged by the public and changing to meet a seeming desire for speed.

Since 2005, over one dozen U.S. states have increased their statewide speed limits. While it was only a few decades ago that “Drive 55” was a national highway travel safety marketing slogan, most highways today could use a slogan of “Drive 75,” with others able to claim “Drive 85” as a way to remind drivers of regional speed limits. This is a major change in a very short period of time.

Such changes are often due to nothing more than old-fashioned peer pressure, according to the Governor’s Highway Safety Association. When one state increases its speed and citizens applaud the change, neighboring states follow suit. Sadly, this occurs regardless to consequences of speed-related accidents. Our advice, be mindful of your speed limit and remember to be alert of others around you.

Aaron Crane, a trained car accident lawyer from Cantor Crane, is familiar with car crashes due to high rate of speeds. Auto accidents caused by speeding can have catastrophic affects. Contact an attorney today for a free consultation if you have been injured in an accident that was caused by the negligence of someone speeding.

How to Guard Your Car to Make Sure That It Doesn’t Rust

When individuals get a vehicle, it’s usually one of their biggest financial investments in life. Whether the car is new or second-hand, it is essential to take care of it. Cars can be expensive but a lot of individuals treat them badly. To maintain the value as much as possible, you should keep the outside and inside thoroughly clean. The majority of people these days don’t have much time and car cleaning is far down the list of their responsibilities. In such cases it is very important to get mobile car valeting services.

Even those people who can find the time to clean their vehicles, merely do a quick wash and wipe, to maintain it clean looking. Not many people are going to spend time applying wax to the surface. But this is the procedure, which makes the car shine more and helps protect the bodywork. Once a vehicle has been waxed, it looks like brand new. The most effective way to do this is by simply getting mobile car valeting services, and allowing experts to do the job.

These sort of valeting services are now available throughout the country and they are surely worth the cost. Doing a comprehensive interior clean of the vehicle isn’t only time consuming, but it is also difficult and usually a lot of places are ignored. This does not happen with a proficient service. A thorough inside valet will include mats cleaned, all surfaces wiped down, mirrors polished, carpets vacuumed, rubbish removed, any stains on the seats removed, and numerous other things. All the irritating tasks will be completed.

A lot of drivers take their vehicles to a car wash, but aren’t aware of the fact that they’re just cleaning the most visible parts. If you choose to take your vehicle to a car wash, look at it carefully after that and you will notice that many parts are not appropriately cleaned. For instance, the foot seals will be filthy. All of the doors will have filth on them, the same counts for the tailgate. Therefore a standard car wash doesn’t actually clean the vehicle.

The best way to be sure that the entire car is cleaned, both outside and inside, would be to hire a mobile car valeting service. The nice thing about this kind of service, besides having a stunning vehicle at the end, is that it frees up a lot of time. So, the car owner could sit back and relax while the experts do all of the work. Because of valeting services, it has never been so simple to retain your vehicle fresh and clean.

Mobile car valeting services are different from the standard car cleaning services. A few cleaning products could do more damage than good to your vehicle. That is why you will need specialized valeting services. Pros do not use cheap agents that can harm vehicles. They use only high quality products, which make your vehicle look nice. Then again, discover just as much information as you possibly can about the particular valeting business before you choose to go there. You must ensure your vehicle is left in the right hands.

Leaving Your Vehicle In A Safe Place When You Travel Abroad

When you plan on traveling outside of the country, you may take great strides to ensure that your home, property, and other important assets are well protected during your absence. While your residence and possessions may be safe, you might wonder what you can do with your car until you return. When you must drive it to catch your flight, you do not have the option of leaving it at home in your driveway or garage. You may have to rely on other accommodations like leaving it at one of the airports out of which you plan to fly for your journey.

Even if you must leave it at one of the airports in your area, you may still wonder what you can do to ensure that the vehicle remains safe and protected from theft or damages. One option could be to make a reservation and arrange for your vehicle to be left under the watch of the service’s staff. During your absence, the staff of the company will make sure that your car is ready to go when you return.

You might be convinced to make a reservation when you research the service online. The company’s website makes available details that you might need to figure out if the service is right for your travel needs. One need may involve keeping your vehicle in a secure location where it could not be accessed by burglars or thieves.

The company makes available around-the-clock protection for your vehicle to ensure that it is not broken into or damaged while you are away. The area where you park the car is monitored and patrolled. Cars left there remain guarded until their rightful owners pick them up.

The area is also covered, which protects the vehicles from weather damages like hail or wind. If you park the car out in the open, such as on the street curb or a driveway, you leave it exposed to the elements. Covered areas could provide you the level of protection you desire for the vehicle.

After you park it there, you may wonder how you can get to your gate on time. You may be unable to walk a great distance. You also might not have the time to walk quickly to the gate. Rather than miss your flight, you might use the shuttle services available to you.

The shuttle could pick you up where you park the car and then take you to the gate of your flight. After you return, the shuttle might then also pick you up at the same gate and take you back to your car. You avoid having to walk, which could be a relief if you have a disability or prefer not to walk without a security escort.

 

Do’s And Don’ts Of Your First Driving Lesson

If you don’t know how to drive, you can sign up for a driving course and take driving lessons. On your first day in the class, you may get a bit nervous. But you should not be afraid because your instructor will be there to answer all your questions and get you ready for driving. To help you with your driving lessons, we have given below a few dos and don’ts. Keeping these tips in mind will make your first lesson a lot easier than you will think.

Dos:

1. Apply for the provisional license

Since you can’t take a driving lesson without a provisional license, you should apply for one and get it as soon as possible.

2. Choose the right time for lessons

What time of the day do you feel the most energetic? Answering this question is important. If you feel good in the morning, you should get enrolled for your driving lessons in the morning. And if you feel fresh in the evening, you can take the lessons in the evening.

3. Get the right pair of shoes

The shoes you will put on before getting behind the wheels should be comfortable. The sole of the shoes should be firm, but shouldn’t be too thick. In the same way, ladies should not put on shoes with high heels.

4. Ask relevant questions

No matter how many questions you have on mind, sit with your instructor and get answers to all of the questions. This will help you feel more comfortable.

5. Get a progress record

Most instructors give progress logs to their students. Your progress log will be completed after every driving lesson. Also, it will contain a record of your progress during the course.

6. Get some rest

You need rest after each lesson. So, you may want to set some time aside for recharging your batteries.

Don’ts

1. Be Panic

Your instructor won’t put you or anyone else at risk. You will be taken care of throughout the course. So, you shouldn’t panic no matter what. You will be in good hands.

2. Forget your glasses

In the beginning of your first driving lesson, your eyesight will be checked. Your instructor will ask you to read something written on something a few meters away. If your eyesight is weak, you may want to put on your glasses.

3. Be afraid of getting behind the wheel

Probably, your instructor will teach you how to drive on an isolated road. There won’t be much traffic. For the first couple of lessons, your instructor will take you to the desired spots.

4. Be afraid of making mistakes

During the first few lessons, you will make some mistakes. As a matter of fact, your instructor will teach you how to start the car, apply the gears and use the breaks at the right time.

5. You know everything

Even if you already know a few basic rules of driving doesn’t mean you know everything. Try your level best to learn as much as you can about driving.

So, these are a few dos and don’ts of driving lessons. Keep these in mind when taking driving lessons.

 

Car Theft Solved by Private Investigators

From time to time, a private investigator might be asked to track down a missing car. A car can be stolen from a public place, private residence, or a car rental agency.

Types of Car Thefts:

During economically challenged times, car thefts increase. Some people try to steal cars from rental agencies by using fake IDs to rent cars, and then simply never return them. Some steal cars for their own use, whether for regular daily use or for transporting contraband and later abandonment. Some turn the stolen vehicles over to chop shops, where the cars will be used for parts. Some just want a car to take on a race or joyride, and will abandon the car after using it for a period of time.

Some will sell a stolen car to an unsuspecting person, who has no idea that he or she just purchased a stolen vehicle. Sometimes, the owner sold the car in good faith to a person who passed a bad cheque. In other cases, a couple may have surrendered their second car to a re-leasing company to cut down on expenses; however, the car may have been leased to a “customer” who disappeared. Thefts may be for convenience – the thief may have some stolen goods to transport.

No matter what the reason for the theft, it’s up to the private investigator to use his or her ingenuity to figure out what happened and track down the car. It’s always a good idea to file a police report first, but because the police might not be able to take the time to track down your vehicle, a good Private Investigator can come in handy.

How We Track Down the Car:

A private investigator will use tools such as phone calls, casual conversations, and interviews. A good Investigator knows how to word questions and statements to get the most cooperation. Most people are shocked if someone they know has stolen a vehicle, and they will want to cooperate. The trick is in putting all the pieces of the puzzle together and tracking down hard information that is admissible in a court case.

Investigators can use license plate scanners, GPS tracking that comes with certain cars, handheld devices, cameras mounted on cars, or interviews with anyone whose job requires driving around, such as delivery workers. PI Agencies in some countries might have memberships in professional organizations where information gathered from license plate scanners is stored in a database. Surveillance on public streets is generally legal and does not overstep privacy issues. One popular technique is keep a watchlist of all vehicles reported stolen by owners, and using the scanners to detect license plates of parked vehicles. Since thieves often switch license plates, it can take time.

The human element in the form of social media and community alerts can work wonders, too. Many people have assisted in recovering their own cars by posting pictures of their stolen cars on social media and asking people to share. It’s never a good idea for a friend to confront a car thief, but it can be really useful if they snap pictures or report sightings of the stolen vehicle without getting noticed by the perpetrator.

Clumsy planning on the part of the thief helps, too. Sometimes a thief will falsify an ID card to rent a car that they never return, but use a real address of someone they know. As we interview the person whose address was used, the person might recognize the description of the thief and give us clues as to where to find him or her. We can then conduct a surveillance and get videos of the perpetrator using the stolen car, which will be admissible in court. Once we have enough evidence to stand up in court, we can wait for the perpetrator to turn in for the night and immobilize the car with car boots before there is any attempt to make contact.

Over the years, Private Investigators form relationships with informants. Knowing how to befriend people who can supply information is golden. Cooperation from all sources is the most important key to solving crimes, and a good Private Investigator knows how to form those relationships.

Other sources of information, although not glamorous, are salvage yards, auto manufacturers, trash bins on public streets, and hidden cameras in public areas. We can also keep lists of vehicles with out-of-area registration tags on them, check on the vehicle registration for those tags, and track down the lienholder (lender) for the vehicle. That is public information and we can call the lender to see if the vehicle is stolen.

Another easy way to verify if a car is the one we’re looking for is to check the VIN number, which is often in plain sight on the driver’s side.

Repossession of the Car:

Once the car is located, it can be repossessed rather easily and the Private Investigator and client will agree upon the method in advance. Upon finding the car, it can be booted or disabled before the PI does one of three things depending on what the client wants: knocks on the suspect’s door and asks for the keys, notify the police, or notify the client. It is never a good idea for the client to contact the perpetrator, but the client could contact the police.

If the client is a business such as a rental car agency, the client may instruct the private investigator to repossess the vehicle. A team of two pis will drive to the location, boot the car, and explain to the perpetrator who they are and why they are there. They will cite to the violator the specific vehicle codes that were violated and the jail time or fines attached with such crimes. They will be firm but also very professional. Most perpetrators will hand over the keys without too much fuss once confronted. If not, a tow truck can be called to remove the vehicle. This should not be done without hard evidence and knowing the laws in your area.

How to Prevent Theft:

Most vehicles sold nowadays have key codes or tracking systems such as LoJack or Onstar. Some have microdots that tag individual parts of the car, so they can be identified if the car goes to a chop shop. However, even very sophisticated systems can be bypassed by professional thieves.

The best car theft prevention devices, such as ignition interlock and pedal locks, disable the vehicle so that it can’t be moved without the right key. If your car does not come with these devices, you can buy a self-setting immobilizer. Always lock your vehicle and park in the safest spots you can.

Unfortunately, car thefts are very common. Using reasonable security precautions and keeping a photograph and copies of vehicle registration information can help you in case of a theft. A good Private Investigator will work for your better interests in recovering the car.

 

Prepare to Purchase Your First Used Cars

Whether you are a teen who has just obtained a driver’s license, or an adult who is in the market for his or her first car, you’ll want to do a little preparation before shopping used cars. This will ensure you get the best deal and remain happy with your purchase for years to come.

Finances

First, take a look at your finances. Do you have any money saved toward buying a car? Is this amount enough to pay for the entire purchase, or is it just what you need for a down payment? Once you realize how much you have, you can begin searching for financing options. Finding out what you qualify for beforehand can save you a lot of time and let you know the maximum budget you have so you don’t fall in love with a car that is out of your reach.

Size and Style

Next, consider your needs to determine how big of a vehicle or what style of automobile you’re looking for. If you transport construction materials for work, for example, your best bet is to look for a truck. Perhaps you have three children and you do a lot of carpooling. In that case, a minivan would be better. A few additional things to contemplate are whether you prefer manual or automatic, gas or electric, and whether you’ll be doing a lot of commuting or just driving around town.

Condition of the Vehicle

When browsing the used cars on the lot and finding one that fits your parameters, take a quick look at the condition of the vehicle. If the inside seats are ripped and there are stains everywhere, chances are the previous owners did not take good care of it. That means it might not have received the routine maintenance it needed to really last. After you’ve examined the interior, do a quick walk around the vehicle to see if there is any damage from rust.

Take it for a Test Drive

After you locate a vehicle among the used cars that fits your price range and looks good inside and out, ask to take it for a test drive. You don’t want to start off with an automobile that has engine problems or bad breaks. These are some things you may be able to detect with a test drive.

Get an Expert’s Opinion

Just to be on the safe side, it is best to ask the dealership if you can have a mechanic look over the car before you make a final decision on whether or not to purchase it. Legitimate used car dealerships will not have a problem with this, and if the mechanic gives you the thumbs up, then you can begin the paperwork to own your very first vehicle.

If you find any defects on the car during the inspection, and you wouldn’t mind having them fixed, use that to negotiate the price down. Then, you can use the savings to have that issue taken care of right after you buy the vehicle.