Driving Substitute Vehicles

Driving Substitute Vehicles

Driving Substitute Vehicles

On most days, the world is straightforward. We get out of bed, eat breakfast, gently roll the vehicle out on to the road and start driving. But every now and again, the routine is disrupted and then the small print in your insurance policy takes on a new significance. Now you will really find out what you bought. As an example, let’s travel over to North Carolina where a family owned several vehicles. The husband usually drove a Toyota Sequoia but, on the fateful morning, his wife told him there was a possible problem with the brakes and she was taking it in for service. He therefore set off for work in the Mitsubishi Montero. He was hit from the rear and the vehicle rolled over, landing him in hospital and six months of rehabilitation before he was able to return to work.

The driver at fault only carried the minimum liability coverage of $30,000 and had no assets – he was not worth suing. But the policy on the Sequoia issued by the Companion Property and Casualty Insurance Company, carried losses of up to $1 million under an uninsured and medical payments policy. There was a provision giving coverage if the insured was driving a “temporary substitute auto”. On the face of it, this seems to cover driving the Montero. His usual vehicle needed repairs. The Montero was a temporary substitute. But, as is always the case, the insurer refused to pay. For something that looks obvious, this has generated several years of litigation. Starting in January 2005, we have been through three levels of court, ending in the North Carolina Supreme Court which did not reach a decision, but sent it back down to the original court for a full hearing on the facts. So, after almost six years, we are back where we started and no further forward.

This is yet another of those horror stories showing that attorneys and the courts they work in can tie a case up in knots for years without ever reaching a final decision. What’s interesting about this particular story is the extent to which an innocent buyer of insurance can end up the victim in the system. Here’s a man who owns two vehicles and, in good faith, he buys a policy that not only says it covers him when driving the nominated vehicle, but also when he’s driving a temporary substitute. Anyone looking at such a policy would imagine he was covered against all reasonable situations in which a claim might arise. Indeed, our policy holder has, from the start, alleged the insurer made the sale and subsequently acted in an unfair and deceptive way.

This leads us to two conclusions. Everyone should take the time to read all the terms of the policies offered, whether as full-price or cheap car insurance and, if there is any doubt in your mind as to the extent of the coverage, always ask specific questions. Secondly, if what you were told before you buy is later denied, get a good attorney who is prepared to fight for your rights. Get cheap car insurance and make the insurer pay!

Maintain The Safety With Anti Lock Braking System While Driving

Maintain The Safety With Anti Lock Braking System While Driving

Maintain The Safety With Anti Lock Braking System While Driving

What is ABS?

ABS is an abbreviation for Anti-lock Braking System and allows for steering while maximizing braking. ABS was developed to reduce skidding and maintain steering control when brakes are used in an emergency situation. When used properly, an antilock braking system allows the driver to maintain directional stability and control over steering during emergency braking situations, particularly on wet and slippery road surfaces.

When was ABS introduced?

ABS was originally used in aerospace applications – specifically, to reduce wear and tear on aircraft tyres after landing. The first car (worldwide) to have ABS fitted as standard across the entire range was the Ford Granada Mk 3 (of 1985). BMW made the technology standard on all vehicles in 1986. Since it came into widespread use in production cars, ABS has made considerable progress. The technology is now much lighter and more efficient.

How does it work?

A typical ABS is composed of a central electronic unit, four speed sensors (one for each wheel), and two or more hydraulic valves on the brake circuit. When the system senses that any of the wheels are rotating considerably slower than the others (a condition that will bring it to lock) it moves the valves to decrease/increase the pressure on the braking circuit, effectively reducing/increasing the braking force on that wheel. This process is repeated continuously, causing a pulsing feel through the brake pedal.

Advantages of ABSIn effect, ABS is a mechanical way of cadence braking (or pumping the brakes). There are two advantages for the typical driver. One is that the ABS system is able to “pump” the brakes on and off much quicker than the driver’s leg, and the other is that it requires no skill or experience – the car does all of that for you.

Disadvantages of ABS

Unfortunately, safety experts have found that many drivers don’t benefit from ABS because the correct techniques for using them are almost the opposite of everything that most of us have been taught about emergency braking in cars. To gain any safety advantage from ABS, drivers must learn how to operate it correctly. ABS is designed to help the driver maintain control during emergency-braking by preventing the vehicle’s wheels from locking. This allows drivers to maintain steering control under heavy braking and to hit the brakes fully with less fear of skidding or loss of control. It does this by either preventing the wheels from locking, or if they do lock, by releasing and then reapplying the brakes once more.

In vehicles are not equipped with ABS, the driver must manually pump the brakes to prevent wheel lockup, maintain steering control and avoid hazards. In vehicles equipped with ABS, the driver’s foot remains firmly on the brake pedal, allowing the system to automatically pump the brakes. This makes ABS particularly useful for steering through skids, reducing both the likelihood and severity of collisions.

In Australia, The Royal Automatic Club of Victoria (RACV) was concerned about overseas research on ABS safety and commissioned Monash University Accident Research Centre (MUARC) to examine the Australian experience. MUARC analysed the crash records for a number of models that came equipped both with and without ABS, and compared their actual crash involvement.

The results were mixed, and rather disturbing. For multi-vehicle crashes, ABS-equipped vehicles were less likely to be involved (by about 18%) compared with the same model without ABS. However, for single-vehicle run-off-road crashes, e.g. leaving the road on a bend, ABS vehicles were over-involved by about 35% compared with the equivalent model without ABS. This increased involvement of ABS-equipped vehicles in run-off-road crashes is particularly concerning. Similar data is available for the US, which suggests that vehicles with ABS are 39% more likely to be involved in roll-over incidents.

Defensive Driving In Texas- Assistive Guide For Course Defensive Driving

Defensive Driving In Texas- Assistive Guide For Course Defensive Driving

Defensive Driving In Texas- Assistive Guide For Course Defensive Driving Houston Texas

Defensive driving is understood to be having the ability to operate an auto with the talents to avoid an accident in a position where one could possibly happen. Defensive driving is reliant on the grounds that you are essentially a good and safe driver that must be alert and ready to respond to the perilous driving that others may engage in.

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Another of these defensive driving tips is to always have fresh blades on your window wipers. Over the course of time blades become worn and no longer make contact with the whole windscreen. If you get caught in a unexpected, hard rain, you may find your visibility diminished in a matter of a couple of of the first things you’ll learn in a defensive driving course is to take care of your auto. When you provide regular upkeep on it, it will get you off to a safer start each time you drive onto the road. People don’t often notice how important the upkeep of their vehicles is to preventing accidents. Poorly inflated tires can end up in skids.

Everyone knows we are supposed to wear a seat belt and drive at a safe speed. Many drivers don’t seem to believe this is applicable to them. Defensive driving tips will always include basic safety measures that every driver should take irrespective of how far they are going or what type of roads they’ll be driving on.

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Be ready with every possible situation that might happen on the roads. Continuing readiness is perhaps the best characteristic of a very good defensive driver. Before driving your automobile make it a penchant to check the tire pressure, and the water, oil and gas levels. It is also vital to check the lights and mirrors. It’s also wise to ensure that you have all the necessary documents pertaining to your car with you before leaving.

Other of the most vital tips on defensive driving are, naturally, to fasten your seatbelt before turning on your engine, and to maintain a correct driving posture. Mooching behind the wheel, research has shown, can make you sleepy and diminish your capability to focus.

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Anyone riding in your vehicle won’t mind if by letting the aggressive driver have the right of way you avoid the accident altogether. And accident avoidance is want the Delaware defensive driving courses are all drivers feel that they are superior drivers and sometimes act like they’re the sole driver on the road. This frequently includes speeding and the dangers of driving too fast should be emphasized in defensive driving lesson plans. The faster you go, the less control you have over your vehicle. If you speed, you are at risk of experiencing an accident and causing harm to yourself as well as others.

Driving Lessons – Practical Revamp Required

Driving Lessons – Practical Revamp Required

Driving Lessons – Practical Revamp Required

Although the practical driving test is tough, it’s not tough enough and doesn’t fully, properly, cover the most tricky conditions new drivers face. The Theory Test doesn’t need to change. It’s been looked at and updated recently and from the feedback I get from my learners it helps them begin to notice hazards they would never have seen before. The latest update has seen the DSA stop publishing the exact questions, meaning you cannot simply memorise the questions and their answers. The most useful aspect of the test though is the Hazard Perception. I see a noticeable difference in learners’ awareness once they even start to practice this and they enjoy spotting dangers they wouldn’t have before.

The Practical Test is inadequate and failing new drivers. Although the emphasis on manoeuvres has diminished in recent times, which it needed to do, there is still not enough time to assess the candidate properly. All aspects of the optional extra – the Pass Plus Scheme – need to be made compulsory and included on the test. The popularity of the Pass Plus has vastly reduced and it wasn’t popular in the first place. After all, why would anyone want to spend at least another 120 on 6 more driving lessons when they don’t ‘have’ to, even if they really ‘need’ to, especially in these times of recession.

The Practical lasts for 30 – 40 minutes only, includes one manoeuvre, a 10 minute Independent Driving phase, potentially the emergency stop, and that’s it. It all depends where you live as to what types of roads you will drive on. On the very odd occasion I have instructed a Pass Plus for a new driver, having passed in a built-up area, their skills and understanding of driving country roads especially is frightening.

I personally think the practical should be split into 3 different tests, or ‘sessions’, where a candidate will need to pass each one before moving on to the next. The three main areas needing to be covered are town driving, country road driving, and motorways. Yes more time will be required, meaning more examiners so the waiting list for tests doesn’t get any worse than it already is. And with a lengthened test and more examiners it will prove more costly for learners – but how many lives will it save? Many, is my reckoning.

Phase 1 of the test should be the same as it is already for most areas. Town driving, emergency stop, independent driving and a manoeuvre. It should be conducted at a test centre that is sufficiently close to a town.

Phase 2 should see an emphasis mostly on country roads. This should include driving through country villages, single carriageway roads of varying speed limits including the national speed limit, and single track country lanes where the candidate will need to be on the lookout for oncoming vehicles. The test here is to make sure the candidate is able to drive at a speed suitable for the conditions and show the high state of awareness required for these roads. Remember, just because you’re on a 60mph road, this very rarely means it’s an appropriate speed.

Phase 3 will see the emphasis on dual carriageways and motorways. Again these would have to be conducted at a test centre suitably close to these types of road, of which there are already many. It would mean all learners will have to be aware of road laws they otherwise my not be. How often do you see tailgating, undertaking, and people driving too slowly in the outside lanes? And are they all aware what they are doing wrong?

These changes would hugely increase knowledge and understanding, see a sharp rise in general driving standards, decrease road rage and more importantly accidents and save tens if not hundreds of lives. If it also changes a few attitudes then we’re on the right track.

Jason Vines

Summer Driving Tips

Summer Driving Tips

Summer Driving Tips

Before following into autumn, it has come apparent that England has become blessed with many bright and humid days before summer finally comes to an end. Although this is great news for us Brits and a great opportunity to take advantage of these rare radiant rays, it is also important to note that these periods of hot weather can actually effect your driving. has a few driving tips to keep you and your vehicle safe during the final days of summer…

Most of all it is important to make sure you’re insured and that you are allowed to be on the road. If you are caught uninsured then your summer would be over even earlier than you’d expected, even worse if you’ve just splashed out on a new convertible which was intended for those glorious summer days.

‘s car insurance provides policies for all makes and models of cars, all tailored to suit your individual needs. Benefits include:

Benefits of Online Driving Courses

Benefits of Online Driving Courses

Benefits of Online Driving Courses

If you think you can’t take time out of your busy life to enroll in drivers ed classes, worry no more. You can enroll in online driving courses and learn to drive safely and actively on your own schedule. These online courses have become highly popular these days as they allow people to learn at their own pace and in the comfort of their own home.

With the increasing number of vehicles on the road, many people prefer to enroll in a professional driving course, versus attend traditional driving classes, to learn the most advanced and updated driving skills. Enrolling in online drivers ed classes is the most convenient, effective and easy way to learn to drive and become a safe driver on the road. These professional online driving courses are offered by a number of driver education providers in Texas and help you acquire the skill set required to become an excellent driver on the road.

Here are some benefits of enrolling in online driving courses:

There are a number of driver education providers in Texas who offer online training, but you need to choose the best one for you. Make sure that the online courses selected by you offer both regular driving training and Texas defensive driving courses to help you learn all the required skills and techniques.

Choose a Texas driving school that offers the advanced driver training and stimulating curriculum. Enroll in an online learning course offered by a Texas driving school now, and become a safe and confident driver on the road.

Maserati 2012 Driving Experience

Maserati 2012 Driving Experience

Maserati has just announced the new driving programs available in 2012. This year the Trident brand will offer his customers and prospects two new exclusive experiences: the Maserati Snow Test Drive Program in St. Moritz and the Master Italian Lifestyle Experience tailored for those who wish enjoying the finest Italy has to offer. The new Lifestyle Program will encompass cultural activities, food & travel experiences in Parma and Florence areas.

The Maserati Snow Test Drive Program, instead, is available only to a limited number of Trident enthusiasts and customers which will have the opportunity to experience the high-performance Maserati in the snow and ice surfaces under the supervision of professional drivers. The Course allows participants to experience the true performances of Maserati fleet – Quattroporte, GranTurismo and GranTurismo Convertible – under a special controlled environment. Another important goal is to help participants understanding to handle unexpected situations when grip are compromised by weather conditions. The entire program will be held in a snow & ice dedicated circuit and the main topics include: handling, proper braking and steering with different techniques, how to find and follow the ideal line. The Maserati Snow Test Drive Program is an addition to the well-known Master Maserati taking place at the Company’s track in Varano de’ Melegari in Italy (near Parma) from May to October.

There are different Master Maserati driving experiences offered, based on the participants’ knowledge and goals. The Master GT Driving Course is offered either in one or two days and aims to teach how to safely drive a 400 bhp car thru demanding yet enjoyable sessions. Anyone can improve his/her own driving capabilities and explore the performance of the Maserati fleet thanks to the professional advice of professional instructors. Another Program available is the Maserati Master High Performance Driving Course. Exclusively dedicated to Maserati customers, the Master HP course can be fully personalized to participants’ specific needs and expectations. Driving sessions of increasing duration will be provided as well as an intensive use of telemetry and analysis will be performed. The last driving course Maserati offers is the Master MC Trofeo, a more racing-oriented experience involving Maserati Trofeocars for the main course and the GranTurismo S for few practice phases. Some of the driving techniques and facilities used for this course are: exclusive use of the Varano de’ Melegari track, special equipped areas for training exercises, personalized telemetry data thanks to on board special data acquisition systems, electronic timing to measure participants’ performances and theory classes with sophisticated and computerized tools.

Things You Didn’t Know About Online Driving Classes

Things You Didn’t Know About Online Driving Classes

Things You Didn’t Know About Online Driving Classes

When you are taking a drivers education course or a driver’s improvement course, there are two different ways to complete the class and get the credit you need. The first option is to take a local course. The second option is to take an online class. Many people are aware of the local offerings and how these options work, but fewer people know the truth behind online driving classes. To help you make a more informed choice about what class to take, consider these lesser-known facts about online driving classes.

Information You Need

Some of the things you may not know about online driving classes include the following:

Even those individuals who know that they can take a defensive driving class online when they get a ticket may not be aware of the fact that new drivers can also satisfy their learning requirements and take a driver’s education course over the Internet. Taking a driver’s education course online can be a preferable option due to the increased convenience and the ability to complete the course whenever and wherever you want to without the distraction of being in a classroom.

These courses must meet the requirements of the Department of Motor Vehicles or other state agencies. Meeting these requirements is necessary for the course to count when you are trying to avoid getting points on your record after a moving violation. The fact that the course must be State/DMV approved ensures that it has the same quality course content that any local course would offer- just delivered in a more convenient (and often better) form.

Most people do not think to take a defensive driving or driver improvement course unless they need one in order to avoid getting driver’s license points after a ticket. Surprisingly, however, it is possible to take an online defensive driving or driver improvement course even when not required in order to get a discount on your auto insurance. Many insurers will provide you with significant discounts on premiums since these courses help you to become a better driver.

Many people view defensive driving or driver improvement courses as a necessary evil. However, the reality is that you can learn important and useful information in these classes. This is especially true if you opt to take an online course since the information is typically presented in an easy-to-understand video format that you can revisit time and again if you need to in order to grasp the info. The information that you learn in an online defensive driving course could help you to avoid an accident, which means it could help you to avoid injury or even death that might occur when you are involved in a car wreck. This is often the biggest benefit of taking a defensive driving course, even if it is one that is often overlooked.