The Basics Surrounding Insurance Claims and Coverage for Car Fires

If your car catches fire, there are some things you need to know about insurance coverage and the claims process. Since there are different scenarios that can cause a car to catch fire, you can expect to come across different limits of coverage and procedure for each. Continue reading to learn some basic information about car insurance claims and coverage in the case that a vehicle is burned down in a fire.

Car fires will clearly do a lot of damage to a vehicle. In most cases, cars are rendered a total loss after an engine or chassis fire. Fortunately, most insurance policies offer additional coverage for fires. This is called “comprehensive coverage”, and it will cover damages caused by a fire regardless of how the blaze occurred. However, this type of coverage must be purchased before a fire occurs. Some of the most common causes for automotive fires include car accidents, engine fires, garage fires, and arson.

Motor Vehicle Accidents

Motor vehicle accidents are one of the most common causes for car fires. Serious vehicular collisions and accidents can damage fuel lines and fuel tanks, which leads to gasoline leakages. A tiny spark from metal colliding together is all it takes for combustion to happen. This is often the reason why fires break out after a car accident.

In terms of insurance coverage, the answer can be complex. Depending on how the blaze occurred and the parameters of your coverage, the damage could fall under comprehensive or collision. It is necessary to discuss this with your insurance adjuster to learn the details pertaining to your particular policy. If you do not have collision coverage insurance, there is still a possibility that it could be covered under comprehensive.

Garage Fires

In the case of garage fires, which are more common than you think, vehicles can experience a severe amount of damage. Most of the time, they are rendered totaled. Because garage fires are commonly caused by a household hazard or malfunction, people tend to assume that homeowners’ insurance will cover the damages to their vehicles; but the truth is that homeowners’ insurance never covers vehicles. Instead, cars damaged in garage fires are only covered under comprehensive coverage.

Engine Fires

Engine fires generally result in a total loss vehicle. That is because the cost to purchase and install a new engine is often close to the actual cash value of the vehicle. In this case, comprehensive coverage will cover engine fires. However, it is important to know that car insurance policies do not typically cover mechanical defects inside car engines. Fires are the exception to this rule. Whether a vehicle is a total loss or not, a car insurance policy will likely pay the actual cash value of the vehicle minus the owner’s insurance deductible.

Arson

There’s not much to say about the criminal act of arson, except that it does happen to vehicles and the damages can be covered by car insurance policies. Comprehensive coverage covers vandalism, so if a vehicle is intentionally set on fire, the damages are covered so long as a police report is made.

Sell a Totaled Car for Cash

If your car is damaged in a fire, you likely have a total loss vehicle on your hands. Sell your totaled car for cash on the spot to a local junk car buyer. They will pay you cash for the actual cash value of your vehicle. This is sometimes more than what you can get from your insurance company!

Sydney Car Rental and Tourist Information

The financial capital city of Australia is Sydney City. It is also the capital of the eastern state of New South Wales. Known as a financial hub, Sydney has many attractions to enjoy. With an entertainment schedule to knock your socks off to a journey into the known history of Australia, Sydney offers something for every age.

Sydney has options for every taste and budget. From cheap hotel and travel options to high value holidays. No matter what you plan to do or see in Sydney, a rental car will only enhance your stay. You will have access to all the Sydney attractions with a hire car. It is also easy to find a good deal for a car rental. The city does offer a fast paced atmosphere, but for those visiting, you can take the time to enjoy the many wonderful scenic sites and surroundings. Being a major city, Sydney does provide public transport for residents and visitors, but to really grasp the Sydney feeling, your hire car will give you the freedom to explore when and where you want. The sky is the limit!

To find the best hire car deal for your Sydney experience, access a comparative car rental website. Such sites, allow for you to compare from a number of companies for your Sydney car hire. This way you can view all sizes and price ranges, all at once. You will find that the site will display economy cars to luxury vehicles.

Once you have booked your rental car, you can then map out where you wish to explore. And the list of Sydney sites is endless. From Darling Harbour to the famous Bondi Beach. You can also enjoy the Taronga Zoo and the Sydney Opera House or the Chinese Gardens. With parking available at most attractions, your car hire will give you the ability to experience the attractions at your own pace and not based on bus timetables or train schedules.

Sydney is a multi cultured community and you will therefore find cuisines from all over the world represented there. To give justice to your Sydney stay, drive throughout the inner and outer city streets in your hire car, and you may just find a hidden treasure in one of the cafes or restaurants.

Shopping options in Sydney range from popular weekend markets to upmarket boutiques and fashion stores. If you plan to shop till you drop, ensure you have ample storage space in your rental car. There are also some great opportunities to purchase some Sydney and Australia souvenirs, and if you really want to take away something to remember, a picture outside the Opera House or with the Sydney Harbour Bridge as your backdrop, is popular for tourists.

Of course Sydney is an exciting to place to see, but without a hire car, you may find that you cannot optimise your time spent there. Ensure you select the best rental car that will provide you with the space and comfort required. Also know exactly how much you will be paying for the hire car so you do not get hit with unexpected fees and charges upon arrival.

Buying Hybrid Cars-What You Should Be Aware Of

The hybrid car is an attempt to reduce our dependence on gasoline while at the same time protecting the environment from pollution. The hybrid car combines the use of gasoline with battery power in one car. The extent to which this has been achieved efficiently, is subject to serious debate presently.

There are some very vital things you should be aware of before deciding on purchasing a hybrid car. Having this information at your finger tips will help you make a well informed decision whenever, you finally take the plunge.

1. The price – the price of the hybrid car is the much talked about of all the other things of the hybrid car. With hybrid car prices ranging from $20000 to $40,000 and difference with pure gasoline car being $3,000 to $10,000 no wonder price is the issue with hybrid car. Generally, the decision to buy is predicated on whether it is worthwhile in savings considering the difference in price. In periods of high gas prices significant savings could be made.

2. The battery cost. Hybrid car batteries cost between $2000 and $4000 depending on the manufacturer. Even though the battery is made up of many cells you can’t just replace individual cells. The whole battery has to be replaced. This is so because the weak battery cells will drain power from the good ones if individual bad cells are replaced. even though the price of the battery is high it has a longer lifespan than the conventional car battery.

3. The battery life – The life time of a hybrid car is something you should be aware of since the batteries cost a lot. On average the batteries last from up to 7 to 9 years. The Honda, for example, gives a 8 year per 80,000 mile warranty while Toyota gives 8 year per 100,00 mile warranty. so you are covered for some considerable time before you begin to think of renewal of battery. Also, don’t forget that the battery could exceed the warranty period. Most manufacturers should cover cost in case of failure during warranty period.

7. Few specialists, parts price are available – There are few specialists presently on the hybrid cars. Parts may not be readily available and the prices of parts could be very high indeed. All this is as a result of the fact that it is a new technology. As more and more people buy hybrid cars there will be more parts available and more specialists would emerge.

8. Price of gas – You may not really see the expected savings if you are using a hybrid car when gasoline price is low. But if there is any cause for gasoline prices to go as high as $4 or $5 per liter you may begin to see some considerable amount of savings because then you should be using the battery powered side of your hybrid.

9. Credit on purchase – You can get tax credit on your federal tax return with the purchase of a hybrid car. This is an incentive by U.S. government to encourage people to patronize hybrid car manufacturers. The general logic is that with more purchase of these cars manufacturers are encouraged to intensify research on these cars as well as use of alternative energies. To know how much credit you can get on the various brands of cars go to the IRS site on hybrid cars

To conclude – If you are looking for prestige, savings on gas in periods of high gas prices and you have the money to buy it, please go ahead and you will be glad you did.