Best Money Saving Articles Online

The Versatility Of Caravan Insurance

Mar 2, 2010 More Saving

The 1970’s rock band Caravan once released a rather oddly titled album called “For Girls Who Go Plump In The Night” which, let’s be honest, isn’t the kind of thing you’d expect to read in an article about caravan insurance, even if the writer owns one (a caravan that is!) An insurance man in a caravan is perhaps not that strange, but an insurance man in a caravan listening to Caravan? No way!

I’m not sure what got me thinking about this subject; I think it was looking back at some photographs of last years Glastonbury festival and noticing, in one guise or another, just how many caravans were there. Obviously as an insurance man I was thinking about their insurance cover and whether or not the underwriters were actually aware just what they were being used for.

If memory serves me correctly there were caravans being lived in, housing first aid helpers, acting as tea shops (and I don’t mean mobile catering units, I mean caravans, proper ones with curtains) used as rest homes for tired musicians and even as the home of paid for showers.

Over in the camping fields there were caravans sheltering security staff from the rain, acting as the temporary weekend home for ageing rockers (some may have even been fellow caravan fans who knows?) and as the meeting point for lost festival goers.

Of course, the musicians themselves are among the biggest users of caravans at music festivals, they usually use the huge ones with extra wheels on the front for steering and they use them for changing in, preparing for the show in, and then use them to indulge in general after-show rock-star behaviour which I think is probably best left to the imagination! I’m not sure if Caravan ever used one, I think that would just be too good to be true! Caravan in a caravan listening to their debut album (which was called, as you may have guessed, “Caravan”). Or even better, if they had arranged a convoy with some friends, a caravan of caravans including a caravan with Caravan in it listening to Caravan!

But anyway, before I started ranting about rock-stars in caravan convoys I was thinking about whether or not these caravans had the correct insurance cover and lets be honest, the answer is probably not. If you are considering taking your caravan along to a festival this year then it is well worth thinking about getting proper insurance cover for it. Caravans can be damaged in all kinds of ways, especially at festivals where the fun loving, free-partying atmosphere can sometimes cloud people’s better judgement and out of control festival goers and crowds and the like can do a lot of damage to your caravan, whether it is intentional or not. It could simply slide off on its own if the mud gets too wet, they can flood, catch fire, get blown away, and almost anything you can think of can happen. Fortunately you can insure caravans against more or less anything that could happen to it, even if it gets rammed into by an uninsured caravan being used as a refreshment stand!

Coversure are one of the country’s leading providers of caravan insurance if you are thinking about taking your caravan anywhere where it would be even remotely at risk, like at a music festival, you should think about looking into some caravan insurance just to be safe.

Tags: advice, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, More Saving, protection, security, travel, vehicle

Saving Money with the Correct Car Insurance Deductibles

Nov 17, 2009 More Saving

When shopping for car insurance, there are a few deciding factors when choosing a policy. There is the initial cost, type of coverage and the deductible amount. Car insurance deductibles can range anywhere form $250 to $1500 depending on the policy and insurance provider.

The deductible is the amount of money that is paid out of pocket by the policy holder in case of accident or damage. Car insurance deductibles are normally found with collision and comprehensive style policies. The lower the amount of the deductible, the higher the monthly premium is that needs to be paid to the insurance company.

While visiting the insurance providers websites and browsing their policies, each one should have different rates for different deductible amounts listed right there. Choosing a policy with a higher deductible amount may be financially easier at the outset of a policy. However, if the vehicle becomes involved in a major accident, the high deductible may be more than is readily available to the average individual.

Car insurance deductibles can however be tailor made to fit in many standard policies offered by most insurance companies. By selecting an affordable policy with a reasonable deductible, the vehicle and the owner can be well protected and a little less worried about the “what ifs” if an accident happens. The average comp and collision deductible that many providers offer is about $500 on most policies of this type.

By visiting the insurance company’s websites, the deductibles can be figured out by using a deductible calculator (most sites have one available as a tool). This lets the consumer know how much the monthly premium will be along with the amount of deductible should anything happen. This helps them in fitting the proper policy in to their budget.

By using the websites as a tool for shopping for vehicle insurance, an easy comparison can be made between many different providers. A short online search brings all major and minor car insurance providers directly to the consumer. Many of the websites not only provide their own rates, but the rates of others for a side by side look at just which policy is most affordable for the customer.

As with shopping for any type of insurance, car insurance can be a little confusing to the average person. Many websites offer a question and answer section to help alleviate this along with and email address and phone number for more direct contact. More that one website has an online chat feature that allows the consumer to speak directly to a live support person instantly and get many of their questions answered immediately instead of waiting on an email or being on hold on the phone.

The time to do the research is time well spent as it will save money in the long run and let the consumer know exactly what their policy covers and how much it will cost them if an accident should occur with their vehicle. The Internet is one of the greatest tools in assistance of locating the proper and most affordable policy for each individual. With all of the information only a few clicks away, this makes for a pain free insurance shopping experience.

Ontario road assistance is absolutely essential to achieve a peace of mind. By joining a membership, you will experience benefits such as Ontario car insurance. Now you can enjoy your trip with no worries! For more details about Ontario auto insurance, please visit us.

Tags: auto, business, car, Car Insurance, Family, finance, home, insurance, legal, life, More Saving, params, personal, Variables

Driving Without A Licence

Nov 11, 2009 More Saving

One of the worst offenses on our roads is driving without a valid Drivers license. This is something that has been ingrained into us right from the first days when we start driving, but it is so surprising to note that there are thousands of violations reported each year of people driving without a license!

There are various levels of driving without a license, and the most basic of them is where people forget to carry their licenses and go out. When stopped by the police, the good answer is to be honest about it, and let them impound the car or tow it away to the nearest police station. You can go home, get your license, pay the fine, say sorry (and take whatever else they may hand down to you), and come home with your car.

The real problem is when people do not have a licence at all and are caught driving on the roads. Somehow, there are a handful of people whove got away with it and have put their stories up on various online forums and even on youtube. However, realistically, there is no way out if you dont have a licence and are caught driving.

The really big problems start arising when you dont have a licence at all and you are involved in a road accident. If you find yourself in this situation, well all I can say is God help you! The penalties for this (depending on the laws in the state or county) that you happen to be in range from a lifetime ban on driving, having your car impounded or a spell in prison.

The worst penalties however are for when a driver has had a driving ban placed upon him/her and then they are caught driving. Even if they have a temporary ban, the penalties are more severe for driving during that period than driving without a licence at all. Driving after having a permanent ban on your licence really is a shortcut to federal prison!

People driving without a licence is simply an attitude problem. If an understanding that the rules are there for our convenience can be achieved then that should put an end to the attitude problem.

For more information about driving without due care and attention and for free legal motoring advice, visit pattersonlaw.co.uk

Tags: advice, autos, education, law, legal, misc, More Saving, motoring, offences, outdoors, outside, Reference, society, travel, vehicles

The Factors That Determines Your Premium!

Nov 1, 2009 More Saving

Car insurance is one of the most important ongoing cost when you buy a car and it can be expensive or not so expensive it just all depends on the individual. You should allow for this cost and there is no way out of it if you want to drive. I am a driver in the UK and have done some driving in other countries as well and I have notice that the factors taken to do the premium calculation are standard, or fairly standard worldwide and it will definitely apply to you if you want to drive in any country in the world.

With car insurance it is an advantage to be female. It is proven and shown by the statistics that you car insurance companies held, that more males are involved in car accidents and age is also one of the biggest factors because more young people are involved in car accidents than older drivers. The more responsible driver you are, the cheaper your premium, as simple as that. One of the other most important factors they look at while doing the evaluation is your past driving experience. This will have a massive impact on your premium they will charge you for your annual car insurance cover. Your occupation can also have an effect on your premium.

People with more driving experience and more years of not claiming from the car insurance company and without receiving police endorsements that relates to situations such as driving without insurance will get a better quote in the process,. Other major factors that will have an effect are speeding, dangerous driving and also if you have been driving under the influence of alcohol and drugs substances

The last factor that will determine your premium at insurance companies are the proof of no claims and your driver experience. We all know to have no no-claims bonus will definitely work agents you in trying to get cheaper car insurance. The best car insurance prices goes to the people that have been driving for many years and in does years they have not claim any money back.

This proposal form is the legal contract between you and your car insurance provider and is signed by you stating that all the facts you have provided are correct.

Thanking for reading my article on car insurance prices please feel free to read the rest of my articles on monthly car insurance.

Tags: auto, cover, driving, finance, insurance, insurance qoutes, insurances, legal, More Saving, motoring, motors

The Dangers Of Careless Driving

Oct 16, 2009 More Saving

Where driving without due care and attention used to be something of a defence, it is now far more of an offence. Momentary lapses of concentration are no longer an excuse in a court of law, in fact, in some instances; it can be enough to land you in jail.

Powerful associations like MADD ” Mothers against drunk driving, and other such associations have been lobbying for such changes in the law for quite some time now, and several states have statutes which vary in degrees depending on the severity of the outcome of careless driving.

But what is so surprising is that people dont take driving without due care and attention so seriously. They sympathize with the offender and offer advice as to how they can get away from it all! On a legal forum, we came across a question put by a member who apparently was charged for spinning tires on a gravel road by virtue of going very fast. There was a petrol pump next to where he was fined and the officer mentioned in his report that the offender was driving without due care and attention, and that since the petrol pump was open and there were people in the area, he could have injured someone. Now, the question in the forum was whether proving if the petrol pump was closed will be beneficial to his case, and to our surprise, dozens of people gave advice as to how he could prove that something in the cops report was wrong! What citizenship!!

Every year there are thousands of deaths or serious injuries on the roads as a result of negligent driving and we dont really take notice. Tens of thousands of people lose their licences every year because of careless driving, at least temporarily and many of them just turn up back behind the wheel without a valid licence! Even though the people in the surrounding neighbourhood may well know about it, most people will not pull them up on it, and this is what causes most of the motoring offences on our roads.

Though driving without due care and attention is a relatively lower ranking offense when compared to drunk driving or cell phone driving, it still is one of the biggest causes for accidents, and needs to be addressed with greater authority.

For more information about driving without due care and attention and for free legal motoring advice, visit pattersonlaw.co.uk

Tags: advice, autos, education, law, legal, misc, More Saving, motoring, offences, outdoors, outside, Reference, society, travel, vehicles

North Carolina Lemon Law Helps Consumers Even Playing Field With Manufacturers

Oct 13, 2009 More Saving

To understand why the North Carolina lemon law was created, you must understand how the law worked before its inception. Before the lemon law was enacted, auto owners with auto problems were forced to seek redress of their claims with large automobile manufacturers. Seeing a problem with the disparity of the parties, the North Carolina Legislature developed the lemon law, which created the right for an automobile purchaser to bring a lemon law case against an automobile maker.

The North Carolina Lemon Law covers vehicles that were sold or leased in North Carolina. It covers new motor vehicles, which are defined as a vehicle that has never been sold before or is sold as a new car by a dealer or manufacturer. The lemon law specifically covers new passenger cars, pick-up trucks, motorcycles and most vans bought in North Carolina.

The North Carolina Lemon Law, states that a manufacturer must repair defects that affect the use, value, or safety of a new motor vehicle within the first 24 months or 24,000 miles of ownership. To make it easier for car owners to prove their case, the North Carolina legislature created a presumption that a vehicle is a lemon. The lemon law creates a presumption that a car is a lemon states if:

The purchaser has had the automobile in the dealership four (4) or more times for the same concern and the concern continues to exist; or

The purchaser did not have use of the automobile while repairs were attempted or while the automobile was awaiting a repair attempt. The impairment of use of the automobile must be for twenty or more days in the warranty period. There is a catch though, to get the presumption the purchaser send correspondence to the manufacturer putting it on notice of the concerns with the vehicle.

Once the vehicle is shown to be a lemon, the lemon law provides that the consumer may choose either a replacement or a refund. Specifically, the manufacturer shall replace the vehicle with a comparable new motor vehicle or accept return of the vehicle from the consumer and refund to the consumer.

In North Carolina, the lemon law states that the refund to the purchaser shall be reduced by a mileage offset. The mileage offset is the use by the purchaser prior to the first repair visit. The mileage offset is a simple mathematical calculation contained in the lemon law statute. Simply put, take the miles before the first repair visit and divide that number by one hundred thousand and then multiply that percentage by the original price and that number will give you the dollar amount of the mileage offset.

Although the North Carolina lemon law is fairly straight forward, consumers should hire a lemon law attorney. Under the lemon law, the manufacturer must pay the attorney fees if the vehicle is a lemon. In addition, there are notice requirements and some hidden pitfalls that may trip up a consumer. You should not delay in getting an attorney to help you.

Tags: car, Lawyer, legal, lemon law, More Saving

Important Facts About Personal Injury Cases

Sep 28, 2009 More Saving

Personal injury cases can force businesses to pay large sums for claims. A person suffered from injuries can get a positive outcome if the lawyer is capable enough to handle such cases. Thus she can get the claims.

Workplaces present various hazards due to which many cases originate here. An employee, who got injured due to occupational hazards, may file for claims. The business may be forced to pay him for the damage caused to him.

A worker can get injured due to faulty machinery or low quality equipments. The injury claims are very high in the construction sector as compared to other sectors. The risk level is high in the construction industry.

Many accidents can take place on the job. If the company is found to be responsible for the accident, the person deserves compensation. Such claims are witnessed in various types of manufacturing companies and service providers.

If it is proved that the company manufactured products that were known to cause injuries to people, it may be subject to claims. If a company knew about a products defect, it should not have sold it. That is the reason why companies call back the defective products from the people.

Transportation is one of the main areas where personal injury cases start. A person injured by another driver often files a claim. If the court decides against the driver, the injured person is awarded the amount.

A personal injury case is in its worst form when a person is killed due to the injuries. In such a situation, the victims family can get in serious emotional and financial disturbances.

The claim can be filed by the victim or her family. A Los Angeles Personal Injuries Lawyer can examine all options available and suggest a good plan to proceed further. He can perform the necessary actions to give the case a good start and ensure a good end.

Tags: attorney, automobile, california, crime, criminal, florida, help, injury, law, Lawyer, legal, los angeles, More Saving

San Antonio Auto Accident Attorney- Important Recommendations for Vehicle Crash Victims

Sep 28, 2009 More Saving

If you’ve been the victim of a vehicle accident, a San Antonio auto accident lawyer can be the aid that you may need. You don’t have to settle for insurance payouts or not getting the financial compensation that is rightfully yours. If you’re looking to battle a traffic incident, you must hire a licensed professional and be organized. At this juncture are a few tips to consider along the track.

Being involved in an auto accident is never a blameless experience. No matter what you do or how fiercely you try, things won’t always operate your way. When criminal fault, uninsured motorists, or damages outside wisdom occur, you must be organized and willing to fight to get what you deserve. If you’ve been the victim of a auto accident, it is detrimental to reach out a San Antonio auto accident lawyer right away. In the meantime, these are some items that you should to keep in mind to make sure that you have the most solid case when it comes time to fight:

-Remain in your vehicle after the accident unless you are 100% certain that you are not hurt. Doing this can compromise your argument if you realize later that you were physically harmed. The law enforcement officer can easily cite that you got out of the vehicle on your own accord, and you could lose all chances to get compensation for your injuries.

-Speak to the police. Do not attempt contact with the other person until law enforcement arrives. This can conceive a he said/she said situation where no one will win because no one knows what really happened. Deal with the law enforcement officers only, or speak to the other party only in front of them.

-Fault not being yours and the motorist that hit you is uninsured, make sure that the police put that in the accident report and that you report it to your auto insurance company. Afterward, when you go to fight for settlement for your own insurance claim filed under uninsured motorist claims, you’ll have all the evidence that you need to get the win.

Tags: 18 Wheeler, attorney, auto, Auto Accident, bus, car, law, Lawyer, legal, More Saving, personal injury, San Antonio

A Look At Operating Under The Influence

Sep 27, 2009 More Saving

The general public is under the assumption that driving under the influence refers to alcohol but that is a misconception since drugs whether prescribed or not are also in this category and are subject to the same fines.

Truck drivers who possess a CDL license have to undergo required drug testing, because there is a good chance of them having drugs in their system while they drive. An 18 wheeler truck that causes an accident will also probably cause serious damages and even bodily injuries. That is a risk that truck companies understandably don’t want to take.

The studies that have been done are very eye-opening when you realize that 15% of truck drivers tested had marijuana in their system, stimulants showed 12% non-prescription and prescribed 5% and alcohol 1%.

In order to be considered driving over the legal limit, it is not necessary to be drunk. Although the regular BAC, or the blood alcohol concentration, is legal to 0.08%, for truck drivers it is reduced to 0.04%. This is because they operate larger vehicles and driver longer distances.

There is a misconception that being high on marijuana is safer than alcohol but that just is not the case. Marijuana is said to affect your concentration, perception and reaction time for possibly as long as 24 hours versus a 3-4 hour span for alcohol depending on the amount consumed. Marijuana has been the cause in more than 12% of trucking accidents that were fatal.

It is understandable that truck drivers sometimes find it difficult to stay awake, because they do drive for long shifts. This is often the reason they want to use something, such as ice or meth, in order to counteract the tiredness. Unfortunately, it is also extremely easy for truck drivers to get their hands on these drugs at almost any truck stop. There are several that even show that 1 in every 5 truck drivers use those specific drugs in order to stay awake and drive longer.

Since intoxicated drivers are not to be tolerated, law enforcement personnel keep a good eye on truck drivers. Even if it is suspected that a truck driver might be under the influence they will be pulled over and then there are many ways of determining intoxication. There is the breathalyzer test to determine if a driver had been drinking, but then there is also the field sobriety test and the swab drug test.

One of the tests law enforcement uses to see if the driver has been drinking and how much is the breathalyzer in which you blow into it. The other is called the nystagmus test. This has various aspects to it. You can be asked to walk and turn, stand on one leg, put your finger to your nose and the Romberg balance test. Another sobriety test is when an officer puts an object, a pen for example, in front of the face and while moving it back and forth watches the driver’s eyes. Then a chemical test can be done which consists of urine or blood samples.

A swab drug test is basically done by taking a swab and collecting saliva from the mouth. It is then tested and if the results are hot then it is considered an OUI.

To sum it all up, nobody should operate while under the influence and that especially goes for truck drivers. It is never safe to drink or do drugs when you are going to have to operate a vehicle.

Tags: Alcohol, attorney, autos, cars, driving, drunk driving, Dui, law, Lawyer, legal, More Saving, oui

How To Make A Special Reasons Argument

Sep 20, 2009 More Saving

If you have been accused of a motoring offence, then you will need to quickly prepare a defence before you get charged. Many areas of the law are almost open to interpretation and so the accusing side must complete every stage of the process correctly or it is likely that you will have grounds to contest the claim.

If you believe that the particular circumstances under which you committed the driving offence should exempt you from some or all of the punishment, then you can make a Special Reasons argument. These are most commonly used to avoid bans in drink driving cases, however they are sometimes used to avoid penalty points for other offences as well or driving through a red light.

When arguing a Special Reason, you are required to give evidence (under oath of course) that in the given circumstances it wouldn’t be fair to administer the penalty points. The most common case for people to argue Special Reasons is that it was an emergency, i.e. they were taking a badly injured passenger to A & E or were taking a woman who is having a baby to hospital and went a bit above the speed limit or ran a red light.

If the court deems that there were indeed Special Reasons in your circumstances, then you will not be issued any licence points. There aren’t any particular definitions of Special Reasons, however you will have to prove that your situation was one of the following:

1. A mitigating or extenuating circumstance

2. It must not amount in law to a defence to the allegation

3. It must be directly connected to the commission of the offence

4. It must be something appropriate that the Court ought to take into consideration when deciding what punishment to impose.

The opportunity to argue Special Reasons is contained within Section 34 of the Road Traffic Offenders Act 1988.

For more information about driving without due care and attention and for free legal motoring advice, visit pattersonlaw.co.uk

Tags: advice, autos, education, law, legal, leisure, More Saving, motoring, outdoors, outside, recreation, Reference, society, travel, vehicles