Monthly Archives: February 2017

How to Tell When Your Brakes Need Changing

If you know your car well, you can anticipate repairs. Aside from taking your vehicle to a repair shop for regular brake maintenance every ten thousand to twenty thousand miles, there are some things to listen and feel for that will help you know when a replacement may be needed. A maintenance check should be made immediately if you have to squeak or grinding upon stopping, if your cars pull to one side in correlation with stopping, or if you feel it is taking longer for you to come to a complete stop. Below are signs that you should have your car brakes changed.

1. Differences or changes in the way a pedal feels when pressed

The pedal itself can tell you a lot about the current functioning condition of the car’s system. Differences or changes in the way a pedal feels when pressed are a big indicator that replacements are short. While a car is at rest, if the pedal feels spongy, you should take a trip to a car care specialist, or if the pedal sinks slowly to the floor, you should also schedule an immediate maintenance check preferably with a shop that focuses on this intricate safety system.

2. The reaction of the pedal to applied pressure

A difference that occurs of pressure that must be applied or a difference in how the pedal reacts to pressure are also signs that you should go on down to your friendly replacement specialist. You should also exercise preventative care if you feel it is taking you too long to come to a complete stop. In either case, give as much detail or description as possible when relaying the information. This will speed up the diagnostic process and perhaps save you a diagnostic fee.

3. When your car steering wheel jerks upon slowing or stopping

If your steering wheel jerks upon slowing or stopping or if your pedal pulsates, the damage is occurring, and a trip to a mechanic is in your near future. Certainly any new sounds such as squealing, grinding, vibrating or whizzing in unison with the application of or pressure to the pedal mandates further and immediate investigation by a professional.

4. Squeaking of your car brakes

The squeaking of your car brakes may also be an indicator of the need for changing. You may not have noticed that your brake pads have already been worn out. The indicator strips in your car are intended to alert you to the need to change your brake pads. Unnecessary wear of the brakes should never be assumed. The pads should be immediately changed to prevent the damage from affecting other parts. During your inspection, you should also be on the lookout for any loose or missing hardware. Ever check if brake components remain too tight that moving them by hand would be difficult to do. Loose or missing equipment that is not attended to could also be culprits of the annoying sound.

5. Malfunction of the brake equipment

The failure to replace brakes on time could also cause damage to the drums. Consequently, this also triggers a malfunction in the brake equipment. Without a doubt, noisy brakes are just one of the problems you should worry about. The damage to the rotors or drums could jeopardize your safety while riding the vehicle. Before you take your ride, make sure all the damaged rotors have already been replaced. malfunctioning of brakes are found to be the core reason for various personal injuries and highway accidents.

Some repairs for your vehicle can be prolonged, some are even considered an owner’s choice, but it is sheer negligence to put off suspicions surrounding your car’s brakes. This system is the most valuable part of a vehicle when it comes to your safety’s concern, and while it is certainly understandable that you want to keep your car in tip-top running shape, perhaps you should consider keeping it in tip top stopping shape as well.

Common Objects that Cause Windshield Breakage on the Highway

Your car’s windshield has a major chip or crack from debris on the highway. In turn, this causes an obstruction and you are involved in a major accident. Who’s at fault? What are your rights? In addition to knowing what you should do, if you or your vehicle suffers any for of damage because of debris or items on the highway, you need to have a law firm on your side to represent you. Find out why the right firm will not only work to ensure you are compensated, but also that you aren’t found to be at fault, if the obstruction, crack, or chip which caused the accident, wasn’t your fault.

Small items –
Yes, something as small as a pebble or rock can cause major damage to your windshield on the highway. Due to the high speeds, and these items flying at your car at extremely high speeds, even a small object can do major damage with enough force. Road debris, small rocks from road construction, and small items which are hard or abrasive in nature, are all responsible for major damage to car windshields. So make sure you are always on the lookout for these items when on the road.

Trash or liter –
Items littered onto the highway can cause damage or cracks. From food wrappers (with heavy items left in them) to trash falling out of a dumpster truck, these items tend to cause damage to windshields as well. Add in the fact that you might go over a huge bump or divot in the road, and that small crack can instantly become a major crack or break. So when driving, it is important to avoid trash, large objects, or items which are loose (such as trash or debris from dumpster trucks).

Luggage or furniture –
If you’ve ever seen a sofa or dining room table on the side of the highway, you are probably aware of how much damage these large items can do to your car. And yes, they do fall off pick up trucks or other moving trucks on the highway. Not only do these large items tend to cause breaks or cracks to the windshield of your car, they can lead to major accidents depending on the speed they fall out of a truck, and the traffic which follows. So if at all possible, do not stay behind items which have a load in the back, and if you have to, make sure you maintain a safe driving speed and distance away from the truck, to give yourself enough time to stop and prevent or minimize the damage which might ensue.

Sometimes you can avoid the damage, but in some instances, especially on the highway with such high speeds, it is impossible for you to do so. For this reason, one has to know the dangers, know how to spot them, and make sure they are extremely careful each time they get behind the wheel, in order to avoid the damage, breaks, and other possible issues which can occur from something as small as a pebble on the road.

Ask Three Questions When Filing a Claim with Your Insurance Company

Filing an auto insurance claim is somewhat similar to filing a report at the police station. The process is not as easy as you may think. A lot of things will need to be considered in the event, which means that you must be keen to fill the claim accordingly. But how can you make that happen? This guide will help you discover how you can fill an auto insurance claim with less difficulty.

1. What should I do after the accident?

When it comes to filing a claim, the first most thing you need to consider is what is required by the insurance claim after the supposed accident. Where you injured in the event? What about your vehicle, how will it be removed from the road to prevent traffic jam? Most of the states will require you to take care of these factors before you start filing the claim.

Before the insurance company can start processing your claim, they will need to have a huge amount of information that proves you qualify for the claim. You might also want to exchange information with the other driver that was involved in the accident {including their insurance company information}.

You’ll also be required to request for contact details of the witnesses that were on the scene.

The insurance company might need you to fill in an accident report in advance. Keep in mind that each state has its specific laws concerning an accident report. Suppose the crash caused damages worth over $1,500 to either of the vehicles or any property, you will be needed to file a report.

2. Where will you file the claim? First-Party or Third-Party Claim?

Another thing to consider when filling the claim is whether your insurance company will be responsible, or if you will have to file the claim with the other driver’s insurance company.

You will and can file the claim with your insurance company, whether you were at fault or not. Nonetheless, if you are not at fault at all, then you can file a claim with the other driver’s insurance company.

When you file the claim with your insurance company, it is called a first-party claim. Conversely, filing a claim with the other driver’s company is known as a third-party claim.

One good thing about filing a third-party claim is that you won’t be the subject to the deductibles. Never agree to settlements made by the other insurance company if you do not agree to any of them.

3. What should I do to get my vehicle repaired?

Getting your car repaired is another vital factor you must keep in mind. Remember that your insurance company will not obviously go for the actual cash value {ACV} or your vehicle if they want to determine how much the repairs will cost.

Rather, the insurer will look at the vehicle’s value at the specific time of the accident. You might also be required to send written estimates for the repair costs of the vehicle. With this documents, the insurance company can compare the repair costs to the estimated value of your vehicle and go for the cheapest option. Some insurance companies will let you choose your preferred repair shop, while others will refer you to a specific shop.

If you are having troubles filing a claim with your insurance company, you can always hire a reliable vehicle accident attorney to help you with the entire process.