There are many different materials that the skull CAP can be made. Leather is a means to use, since it is very durable and provides protection against cold and rain. Can a little heavier than other materials, and may be hot to wear in the summer can be difficult to treat. Cotton fabric skull cap rate can be easier in the summer, and are easier to customize with your logo or design. He is not as durable as leather, but. Aviator-style caps are also fitted with a fleece too cold for a walk.
There are many styles to choose from cover. Skull Caps are a great traditional piece of cloth or leather, most of the hair, and two straps that tie behind the head, the skull-cap-ion site. Some offer leather covers the drilling of the skull in the head for ventilation. Aviator style skull caps some style to the not-so-half pilot, who is looking to make a statement. You can also match a mask with the same logo on the top of the skull.
There are many different designs that you can from a dealer. Are already at the top of the skull, and offer a touch of style to the motorcycle rider. You can use such a Skull cap with a white driver-crosses, crosses with red flames, flames, in different colors, U.S. flags, POW MIA icons, motorcycles, chopper crosses, rebel flags and stars, with or without stripes and eagles. The style of cotton skull caps come in a variety of colors. A motorcycle club hunting can also purchase a bulk supply of skull-caps have their own logo on them. This is a good way to show pride in the bike club.
When buying a Skull Cap, make sure you have the correct size. There are some general guidelines to follow to find out that the ceiling for the size of the skull. The measurement of the head, on its head in the head gives you the right size. If the measure falls between 2 sizes, always choose the size to change. 20 ¾ ½ inches to 21 inches is usually considered the small size, 21 7 / 8 inches to 22 inches is ¼ medium, 22 5 / 8 inch to 23 inch high, and 23 ½ inches to 24 5 / 8 inch extra large .
The use of a skull cap dates back thousands of years and was still in use in a variety of ways in different societies and different religions. As a protection against physical and mental, for a insight into the human soul for a moment. Were also for education, social position or even to a particular group. Common observations can be found in the Jewish religion, the Catholic religion, the community of motorcycles, and even in people with midevial Reenactment chain with skull caps.
lunes, 3 de agosto de 2009
Jaguar XK 150: Roadster Extreme
Jaguar is known for its vehicles, which produced elegant style with a superb and excellent performance. One of the vehicles under this brand is the Jaguar XK 150th And this vehicle is a roadster and has been with several versions like the fixed coupe and the drophead coupe. The roadster version, however, appeared ten months after the introduction of the other two. How the Jaguar XK 150 Roadster, which was primarily designed for the type of vehicle control and a return for the warm and sunny months. This new vehicle has good conclusion door and window handles of the doors. You also have to improve the hood design. Some people say that the Jaguar XK 150 is much more civilized and more attractive than the previous vehicles roadsters like the Jaguar XK 120 Jaguar XK and Jaguar 140th
Equally impressive and highly durable car Jaguar body parts, performance parts and accessories can be found at discount Jaguar parts and Jaguar Auto Parts' online store. If you have parts like accessories, mechanical parts, exhaust parts and fuel injection parts to name a few, high quality, since these products are available at Jaguar Parts and Jaguar Auto Parts. Each of these will be in the race due to the strict quality control measures. The number one the best online suppliers of parts offered by Jaguar Jaguar Jaguar XK 150 and elsewhere in great discount prices.
This vehicle actually replaced the Jaguar XK 140th And from 1957 to 1961. The Jaguar XK 150 sports a different look. Is short and could only be in the booth at a maximum of two people. Although the Jaguar XK 150 has a long hood and a revised front Scuttle. This kind of modification, the Jaguar XK 150 type rakish and elegant look. It is even more modern compared to the other two mentioned above Jaguar Roadster.
The differences between the other roadsters and the Jaguar XK 150 is that it uses a piece windshield. The line wings also do not like that much over the doors. The bonnet was widened and opened to the wings. The wall has been moved to about four inches long. A wide range of color options for this vehicle and the list is red, pearl gray, white, blue, indigo, Claret, Cotswold Blue, Black, Mist Gray, Sherwood Green, Carmen Red, British Racing Green, Gray and Imperial Cornish garnet.
Just as the Jaguar XK 140, Jaguar XK 150 in place of a 3.4 liter DOHC Jaguar straight 6 engine. It could produce about 180 hp at 5750 rpm. Although over the years that makes this roadster had several other engines, thus, creating more power and be capable of performing much better.
Equally impressive and highly durable car Jaguar body parts, performance parts and accessories can be found at discount Jaguar parts and Jaguar Auto Parts' online store. If you have parts like accessories, mechanical parts, exhaust parts and fuel injection parts to name a few, high quality, since these products are available at Jaguar Parts and Jaguar Auto Parts. Each of these will be in the race due to the strict quality control measures. The number one the best online suppliers of parts offered by Jaguar Jaguar Jaguar XK 150 and elsewhere in great discount prices.
This vehicle actually replaced the Jaguar XK 140th And from 1957 to 1961. The Jaguar XK 150 sports a different look. Is short and could only be in the booth at a maximum of two people. Although the Jaguar XK 150 has a long hood and a revised front Scuttle. This kind of modification, the Jaguar XK 150 type rakish and elegant look. It is even more modern compared to the other two mentioned above Jaguar Roadster.
The differences between the other roadsters and the Jaguar XK 150 is that it uses a piece windshield. The line wings also do not like that much over the doors. The bonnet was widened and opened to the wings. The wall has been moved to about four inches long. A wide range of color options for this vehicle and the list is red, pearl gray, white, blue, indigo, Claret, Cotswold Blue, Black, Mist Gray, Sherwood Green, Carmen Red, British Racing Green, Gray and Imperial Cornish garnet.
Just as the Jaguar XK 140, Jaguar XK 150 in place of a 3.4 liter DOHC Jaguar straight 6 engine. It could produce about 180 hp at 5750 rpm. Although over the years that makes this roadster had several other engines, thus, creating more power and be capable of performing much better.
It Can Be Easier Than You Think To Cut Motor Vehicle Costs
The cost of vehicle ownership is increasing, and today more than ever, it is important to find ways to get your fuel budget. According to a new study by Shell, 78 percent of drivers believe they can improve fuel economy depending on driving and vehicle maintenance and care, but four of the 10-drivers are not compatible with the tips available. Eighty-one percent of Americans say that they are interested in everything we can to get their fuel budgets. Here are some tips from Shell, how your driving dollar:
• Conduzca suavemente, evitando pesados aceleración o frenado. Speed, rapid acceleration and braking can make your gasoline mileage by 5 percent at lower speeds in the city and 33 percent higher speeds on the highway.
• Replace dirty or clogged air filter. Replacing a dirty or clogged air filter with a clean one can improve gasoline mileage by up to 10 percent. Your car air filter can protect the engine from impurities.
• Keep your engine well tuned and repair problems immediately. If your car has an emissions test or out of tune, repairing the problem could be your gasoline mileage by 4 percent on average.
• Make sure your tires are on the right pressure and not over-or underinflated. The correct air pressure reduces the fuel used while driving. Maintain correct tire pressure you can gasoline mileage by around 3.3 percent.
• Minimize vehicle drag. Keep your trunk and back seat clear of unnecessary items that only weight. The removal of excess weight can make your gasoline mileage.
• Use the cruise control on major roads and on the free flow of traffic. Maintaining a constant speed can improve gasoline mileage.
• Avoid idling. In idle, you get 0 miles per gallon.
• Avoid high speeds. Gasoline Mileage drops usually while driving at speeds over 60 MPH.
• Plan your outings to avoid separate trips. Combine your errands to one trip to avoid short separate trips. This helps to avoid the cold and the car keeps the engine running more efficiently and warm.
• Reward yourself with a credit card discount. Select the card you can save money at the pump. For example, the Shell Platinum MasterCard ® from Citi ® Cards offers 5 percent rebate on Shell gasoline purchases and 1 percent rebate on all other purchases. At the national average of $ 2.91 per gallon for regular gasoline in the category, cardholders earn 14 cents per gallon gasoline purchases.
"We all want more fuel efficient and with Shell FuelStretch principles into your daily routine is a simple way to get the most from each purchase of gasoline," says Shell Engineer and ASE certification also Mark.
• Conduzca suavemente, evitando pesados aceleración o frenado. Speed, rapid acceleration and braking can make your gasoline mileage by 5 percent at lower speeds in the city and 33 percent higher speeds on the highway.
• Replace dirty or clogged air filter. Replacing a dirty or clogged air filter with a clean one can improve gasoline mileage by up to 10 percent. Your car air filter can protect the engine from impurities.
• Keep your engine well tuned and repair problems immediately. If your car has an emissions test or out of tune, repairing the problem could be your gasoline mileage by 4 percent on average.
• Make sure your tires are on the right pressure and not over-or underinflated. The correct air pressure reduces the fuel used while driving. Maintain correct tire pressure you can gasoline mileage by around 3.3 percent.
• Minimize vehicle drag. Keep your trunk and back seat clear of unnecessary items that only weight. The removal of excess weight can make your gasoline mileage.
• Use the cruise control on major roads and on the free flow of traffic. Maintaining a constant speed can improve gasoline mileage.
• Avoid idling. In idle, you get 0 miles per gallon.
• Avoid high speeds. Gasoline Mileage drops usually while driving at speeds over 60 MPH.
• Plan your outings to avoid separate trips. Combine your errands to one trip to avoid short separate trips. This helps to avoid the cold and the car keeps the engine running more efficiently and warm.
• Reward yourself with a credit card discount. Select the card you can save money at the pump. For example, the Shell Platinum MasterCard ® from Citi ® Cards offers 5 percent rebate on Shell gasoline purchases and 1 percent rebate on all other purchases. At the national average of $ 2.91 per gallon for regular gasoline in the category, cardholders earn 14 cents per gallon gasoline purchases.
"We all want more fuel efficient and with Shell FuelStretch principles into your daily routine is a simple way to get the most from each purchase of gasoline," says Shell Engineer and ASE certification also Mark.
Interior Car Floor Mats Are A Should Have For Living In The Northwest
Life in the state of Washington requires driving in all types of weather. If I'm driving in the rain, mud, snow or dry and dusty, my vehicle and the soil was susceptible to rapid degradation when exposed. On several occasions, and everyday exposure to the elements of a vehicle, the terrain quickly devalue the appearance of your vehicle. Here is a list of the most frequent offenders in damage to your vehicle to the ground:
- The frictional wear of the foot of the driver and passengers entering and leaving
- The humidity from rain, mud, snow
- The mud and dirt from the street
- Fast Food, sticky soda that leaks
- Shoes and raw dirt in his shoe
For maximum protection of my Chevy Suburban accessories inside me with his own proper time floor coating technique for the first, second and third rows and a technology charge time line of the back. Now, every inch of land in suburban my generous protection.
Before I bought the floor Time Technology and cargo from the liner products, wanted to go shopping is the best product for my car and my way of life. What I discovered when buying a wide variety of floor coverings, floor and cargo liners. It is this difference between the manufacturers, the price, materials used and how.
For me, life in Washington with his temperamental weather conditions, l need for all-weather floor liners, which in its entirety and the shield to protect my vehicle OEM carpet. Only after researching the different types of mats available, I admit, carpets rugs are better suited for dry climates typical of the southern part of the United States. Therefore, all floor coverings and are not all equal and have different functions for different climates.
Having reduced my search to find all weather protection products for word, could be the difference between the rubber or poly-high-tech materials - floor coverings and floor coverings. The difference between a mattress and liner conferences are not as obvious as it may seem. A carpet floor is easily removable and not the entire area. Today's line of digital earth, and molded on an individual inside the vehicle to specifications and quality adjustment optimal protection.
For me, the choice was easy with the kids, dogs, Labrador and an active life, I have to go to the Weather Tech floor line. The liners fit every inch of my exposed terrain vehicle. The appearance is a tapestry, and to my Dash. Clean the floor is easy, simply by vacuuming and dirt easily wipe with a damp cloth. I am very happy with my purchase of the technology of weather mats and cargo liner conferences and recommend to all looking for a top floor.
- The frictional wear of the foot of the driver and passengers entering and leaving
- The humidity from rain, mud, snow
- The mud and dirt from the street
- Fast Food, sticky soda that leaks
- Shoes and raw dirt in his shoe
For maximum protection of my Chevy Suburban accessories inside me with his own proper time floor coating technique for the first, second and third rows and a technology charge time line of the back. Now, every inch of land in suburban my generous protection.
Before I bought the floor Time Technology and cargo from the liner products, wanted to go shopping is the best product for my car and my way of life. What I discovered when buying a wide variety of floor coverings, floor and cargo liners. It is this difference between the manufacturers, the price, materials used and how.
For me, life in Washington with his temperamental weather conditions, l need for all-weather floor liners, which in its entirety and the shield to protect my vehicle OEM carpet. Only after researching the different types of mats available, I admit, carpets rugs are better suited for dry climates typical of the southern part of the United States. Therefore, all floor coverings and are not all equal and have different functions for different climates.
Having reduced my search to find all weather protection products for word, could be the difference between the rubber or poly-high-tech materials - floor coverings and floor coverings. The difference between a mattress and liner conferences are not as obvious as it may seem. A carpet floor is easily removable and not the entire area. Today's line of digital earth, and molded on an individual inside the vehicle to specifications and quality adjustment optimal protection.
For me, the choice was easy with the kids, dogs, Labrador and an active life, I have to go to the Weather Tech floor line. The liners fit every inch of my exposed terrain vehicle. The appearance is a tapestry, and to my Dash. Clean the floor is easy, simply by vacuuming and dirt easily wipe with a damp cloth. I am very happy with my purchase of the technology of weather mats and cargo liner conferences and recommend to all looking for a top floor.
2008 Chery QQ
The China Chery Automotive Group is available on the import of up to five vehicles in the United States from summer 2007. These models are reported in 2008 cheaper than competing models in their respective classes, with some models up to 10,000 U.S. dollars per car. I've been a little research and learned more about the Chery QQ, the compact three doors retail for $ 6995. Keep your hats on, how to read the long list of standard features for an unbelievably low price.
Only if you think you have seen everything, the QQ. As reported, QQ means the quality, how fast the car is from the remains of destroyed Soviet tanks fought in China during a long border skirmish in 1970. In addition, the car zips from 0 to 48 before the engine dies. Oh, and zero to sixty would have been nice, but unfortunately ...
standard functions for QQ are:
Front seats and rear
belts with airbags
glass, everything you need
steering wheel with horn
Dashboard
removable ashtray
windows (4)
Rubber Gaskets
plastic injection molding
Polyester Wheels (4)
with screw caps
door with driver and front passenger door locks
Antena
Truck with key Keyhole
Lighthouses
tail lights
Turn signals
Brakes
Dampers
Bumper
Doors, hood, trunk and roof are standard body side molding will be charged extra. Engine, transmission, radiator, exhaust, and a multitude of other parties even if they are removed from junk Yugoslavia and subsequently for the QQ.
It is likely that the optional equipment includes radio, comfortable seating, air conditioning, and maybe even a rear window defroster. Oh, by the way, General Motors has sued and won a verdict against Chery says that "Chery" name sounds too close to his name Chevy. Chery has agreed, and it is to name the building for all cars imported from the USA. Stay tuned!
Only if you think you have seen everything, the QQ. As reported, QQ means the quality, how fast the car is from the remains of destroyed Soviet tanks fought in China during a long border skirmish in 1970. In addition, the car zips from 0 to 48 before the engine dies. Oh, and zero to sixty would have been nice, but unfortunately ...
standard functions for QQ are:
Front seats and rear
Polyester
Antena
Truck with
Turn signals
Bumper
Doors, hood, trunk and roof are standard body side molding will be charged extra. Engine, transmission, radiator, exhaust, and a multitude of other parties even if they are removed from junk Yugoslavia and subsequently for the QQ.
It is likely that the optional equipment includes radio, comfortable seating, air conditioning, and maybe even a rear window defroster. Oh, by the way, General Motors has sued and won a verdict against Chery says that "Chery" name sounds too close to his name Chevy. Chery has agreed, and it is to name the building for all cars imported from the USA. Stay tuned!
Helpful Attachments For Air Compressors
Let's say you finally enter the company to invest, and an air compressor. You've heard about how large air compressors and how to help home improvement are, and have decided that all home repairs in your "to do" list, a compressor will be helpful. When you get to home, but you know what to do? How exactly what you want to use your air tank? Perhaps one of the varieties of plants to practice only what you need for repair.
First, investment in quick-connect couplings and a kit of inflation. All the tools you buy, the coupling to be connected to the air hose, and if your child is going by bicycle flat tire or dies, his brand inflatable pool toys, you will be glad you bought the kit inflation.
Have you ever struggled to scrub dirt away from the wheel of the car, and tried hard to clear all the cobwebs and dust from a single piece of furniture store? If so, a blo-gun is what you need to invest in. You will be surprised to find that all applications for blo-gun. Just be sure not to exposed flesh.
A weapon is a new installation of nails never exposed skin, but if you tired of wasting energy is pounding with a hammer, the air compressor that can do the work for you and invest in a nail gun. You can also use a hammer or an air-to-air drill to work on the house faster and easier.
A stapler is an air system energy savings, as the nail gun, and you will be surprised what you find with staples. Perhaps your roof needs to be re-shingling? A strong air stapler can save time, whether you're looking for.
If you want to work on cars, an air ratchet wrench or impact wrench can work a whole lot easier.
Even if you do not do bodywork of cars, air and sandblasted Sander are plants that are found to be useful. Instead of carefully scraping the old paint if painting your home can save you time and strength in the arm with an air Sander or sandblasted.
Once you really start to paint your house, a paint gun can only be what you need to do their job in half the time and improve the quality of their work.
As you can tell from the above examples, air compressors are becoming much less intimidating and more promising, if you remember the time and energy can be saved if you invest in some practical annexes.
Glue dispensers are ideal for scrap booking. These donors waive bonding adhesive squares, lines or points. Here's a glue-dispensers for any type of need guestbook.
Vitela is a type of paper is a bit complicated when it comes to adhesives. Since parchment is be careful when you hit something. If you do not have the right tail, the tail can be seen through the parchment and it is not attractive. Looking for an adhesive used exclusively for the use of parchment and you will be able to use this special paper with ease and the final product will look very nice.
To add a dimension to the page where you can open dots or tape. This adhesive is available in various sizes and shapes and is thicker than conventional adhesives. If you pop, you can obtain the keys or other ornaments, and on his side. This is a great way for your interest in scrapbooks.
There are also liquid and paste adhesives, the specific needs of the scrapbooks. If you have paper to paste the paper you want is not the tail, if you comply with the metallic paper.
Sometimes you may need a type of hot-melt glue. This type of adhesive is usually in the format and the stick is inserted into a glue gun. Hot glue is good, if you want to add ribbon or other fibers of your scrapbook.
As you can see, there are many adhesives that you need if you are interested in scrap booking.
First, investment in quick-connect couplings and a kit of inflation. All the tools you buy, the coupling to be connected to the air hose, and if your child is going by bicycle flat tire or dies, his brand inflatable pool toys, you will be glad you bought the kit inflation.
Have you ever struggled to scrub dirt away from the wheel of the car, and tried hard to clear all the cobwebs and dust from a single piece of furniture store? If so, a blo-gun is what you need to invest in. You will be surprised to find that all applications for blo-gun. Just be sure not to exposed flesh.
A weapon is a new installation of nails never exposed skin, but if you tired of wasting energy is pounding with a hammer, the air compressor that can do the work for you and invest in a nail gun. You can also use a hammer or an air-to-air drill to work on the house faster and easier.
A stapler is an air system energy savings, as the nail gun, and you will be surprised what you find with staples. Perhaps your roof needs to be re-shingling? A strong air stapler can save time, whether you're looking for.
If you want to work on cars, an air ratchet wrench or impact wrench can work a whole lot easier.
Even if you do not do bodywork of cars, air and sandblasted Sander are plants that are found to be useful. Instead of carefully scraping the old paint if painting your home can save you time and strength in the arm with an air Sander or sandblasted.
Once you really start to paint your house, a paint gun can only be what you need to do their job in half the time and improve the quality of their work.
As you can tell from the above examples, air compressors are becoming much less intimidating and more promising, if you remember the time and energy can be saved if you invest in some practical annexes.
Glue dispensers are ideal for scrap booking. These donors waive bonding adhesive squares, lines or points. Here's a glue-dispensers for any type of need guestbook.
Vitela is a type of paper is a bit complicated when it comes to adhesives. Since parchment is be careful when you hit something. If you do not have the right tail, the tail can be seen through the parchment and it is not attractive. Looking for an adhesive used exclusively for the use of parchment and you will be able to use this special paper with ease and the final product will look very nice.
To add a dimension to the page where you can open dots or tape. This adhesive is available in various sizes and shapes and is thicker than conventional adhesives. If you pop, you can obtain the keys or other ornaments, and on his side. This is a great way for your interest in scrapbooks.
There are also liquid and paste adhesives, the specific needs of the scrapbooks. If you have paper to paste the paper you want is not the tail, if you comply with the metallic paper.
Sometimes you may need a type of hot-melt glue. This type of adhesive is usually in the format and the stick is inserted into a glue gun. Hot glue is good, if you want to add ribbon or other fibers of your scrapbook.
As you can see, there are many adhesives that you need if you are interested in scrap booking.
A Look at Automatic Tire Chains
With technical progress, it is not surprising that the automatic tire chains have found their way into the market chain of the tire. These tire chains, the pain of the chains or snow tires in wet conditions and the driver can save much time.
Automatic tire chains may be in trucks, RVs, trucks and buses, and the pulling power of a single set of conventional snow chains at the push of a button, which means that the stop-and-go of the vehicle.
Automatically install tire chains, drivers for mounting an electrical switch to your desktop, the 12 volts to an air solenoid to the chassis of the rail vehicle. The compressed air is out of the vehicle on board the air system or a 12-volt compressor kit. Al cambiar el tablero de instrumentos se activa, se abre el solenoids, permitiendo así que el aire comprimido para entrar en el Cilindro de aire inferior y la cadena de manera que la rueda se pone en contacto con el interior del neumático. The friction between the tire and rubber chain-wheel, which causes the chain to the spinning wheel, enough so that centrifugal force of the wave front of the tire. Chain at intervals of 60 degrees in the sixth in the chain length of the wheel. This ensures that there are always two chains between the tire and road service, regardless of whether the driver accelerates or slows down. Traction is used in both forward and reverse flow. Change the instrument panel is the magnetic-air, chain and wheel back into its resting position.
Automatic tire chains are a great new technology for all, the tire chains - but you do not want the expense of their cars and install chains in bad weather.
Automatic tire chains may be in trucks, RVs, trucks and buses, and the pulling power of a single set of conventional snow chains at the push of a button, which means that the stop-and-go of the vehicle.
Automatically install tire chains, drivers for mounting an electrical switch to your desktop, the 12 volts to an air solenoid to the chassis of the rail vehicle. The compressed air is out of the vehicle on board the air system or a 12-volt compressor kit. Al cambiar el tablero de instrumentos se activa, se abre el solenoids, permitiendo así que el aire comprimido para entrar en el Cilindro de aire inferior y la cadena de manera que la rueda se pone en contacto con el interior del neumático. The friction between the tire and rubber chain-wheel, which causes the chain to the spinning wheel, enough so that centrifugal force of the wave front of the tire. Chain at intervals of 60 degrees in the sixth in the chain length of the wheel. This ensures that there are always two chains between the tire and road service, regardless of whether the driver accelerates or slows down. Traction is used in both forward and reverse flow. Change the instrument panel is the magnetic-air, chain and wheel back into its resting position.
Automatic tire chains are a great new technology for all, the tire chains - but you do not want the expense of their cars and install chains in bad weather.
domingo, 2 de agosto de 2009
Diesel Fuel Quality Is A Question Not A Guarantee
Diesel engine projects to improve the performance of the engine, the great progress in the supply of fuel to the engine combustion chamber. Today's diesel engines are quieter, smoother and more powerful. But today's diesel engine owners are an important factor. The quality of today's diesel fuel is not as far advanced at the same rate as the engine improvements.
Diesel fuel begins to deteriorate as soon as it is done. Within 30 days of refining, all diesel fuel regardless of brand, through the natural process of re-polymerization and oxidation. This process forms varnishes and insoluble gums in the fuel, which causes the fuel, the molecule and bond together. These components now drop to the bottom of the tank and form asphaltene free as diesel sludge. Fuels will be dark in color, odor, and in most cases causes engines to smoke. The engines smoke because some of these groups at an early stage, are sufficiently low-pass filter-combustion engine and the Comoros. As these clusters increase in size, only a portion of the molecule is burned. The rest is unburned fuel and exhaust fumes. With increasing cluster size, first to reduce the fuel flow blockage of filters. The filters only address the symptom and not the cause.
It is estimated that eight out of ten diesel errors were directly related to poor quality and contaminated fuel. -The construction of the contaminated fuel and storage tanks can quickly clog filters, which cause the engine off, fuel pump wear, damage and diesel engine.
Understand that most fuel has some amount of water in them, either from condensation or vents. This danger, we must recognize the additional burden on diesel fuel compared to gasoline. Gasoline as a fuel only. Diesel, on the other side must also cool and lubricate injection system parts. These are technically part of the very close tolerances - up to 0.0002 inch - and any contamination means rapid part wear. Water displaces the diesel fuel. If the fuel displaced wear occur because lubrication is now missing.
Water used in the incineration Comoros causing severe damage. If they come into contact with the heat of combustion Comoros (about 2000 ° F), it immediately turns to steam and often explodes the tip injector. Water causes corrosion of tanks, pipes, injectors, and reduced flammability.
Other areas of concern to produce more exhaust fumes and the implementation of the EPA standards.
Bacteria also a serious problem. Bacteria feed on nitrogen, sulfur and iron in the tank or.
Then there are algae. There are no algae in diesel. You have fungus and microbial contamination but no algae. This is a misnomer for diesel sludge. If you have a diagnosis of algae and a biocide, you two things 1) a mechanical, which is false, and 2) nothing to fix the problem.
Why is it so bad fuel?
Number one reason is because of the increased popularity of diesel power and the accompanying increased demand for diesel. There was a time when diesel fuel remained in the refinery storage tanks long enough to naturally separate and so that the clean fuel used. Now, with the rising demand, fuel never remains stationary long enough for the settlement, and water and suspended solids are sent to you as a user.
The change in refinery techniques is another problem. For more products per dollar, diesel refined from the peripheral parts of the oil barrel. This leads to a lower-class product that is inherently thicker and contains more contamination.
Third, the current fuel distribution methods also have a negative impact on the status of fuel at the time of delivery. In many cases, the brokers the sale of fuel to the main distribution terminals and determine delivery dates. There is no telling how long that is in the fuel distribution network and the number transferred. Rarely are these distributors filter the fuel, since the transfer.
The solution: Multifunctional diesel additive packages and hardware.
For your single vehicle or for the entire fleet, improving the quality of fuels through the use of additives and the state of the art is always a good choice.
Many oil additive packages solutions to key issues in relation to the performance of fuel, some fuel to increase lubricity, improving cold-flow and the improvement of cetane number. And some only the problem of rust and corrosion, but all should be taken into account.
Most diesel fuel additives contain combustion spreading that the release of oxygen during the compression stroke. This allows combustion to earlier, more complete fuel burn. A complete burn the whole power of the fuel and the engine can produce. As combustion spreading and a smoother running engine, more exercise, which improves fuel consumption and reduce emissions of black smoke.
Cetane number is a power and diesel, the higher the cetane number or cetane rating indicates greater fuel efficiency. The fuel is the cetane number effects, the duration of white smoking after start-up, drivability before warm-up, and the intensity of idling diesel engines emit. Increasing the cetane number of fuel and have a better performance.
In diesel fuel systems, fuel-lubrication for the pump and injectors. A fuel with low lubricity may cause excessive wear and premature failure of these components. Improve the lubricity and extend engine life.
Diesel pour points (the lowest temperature at which oil or other liquids will be under the prevailing conditions) in the range of normal winter. As fuel approaches for their point, paraffin in the form of fuel, wax crystals, which prevents it fluently. Flow-improver additives modify wax crystals, for a reduction in fuel consumption and a better cold weather performance.
For eye-storage tanks other issues must be seen. On-sight storage tanks are always a small amount of the first gallons of fuel, one of them, unless it is 100% drained and cleaned. So new, fresh fuel always added a little bad, when the fuel purchase. Dilution of the bad with the good times, the loss of the battle. The fuel will always be bad fuel until the main problem is to
The order of treatment of the problems associated with fuel should always begin with determining whether the water in the fuel and fuel, if microbes (fuel bugs) in them. Add water and fuel test kits used for the maintenance phase. If microbes are detected, then the use of biocides is needed. Biocides have no effect on the removal of mud and is not a problem. Biocides kill bacteria, it is everything!
Water should always be to resolve the problem by first use of fuel-water separators on the tank or equipment. Other multifunctional chemical additive should be added to improve fuel quality, and then, if necessary, a problem specific additive to dissolve diesel sludge and / or corrosion inhibitors to protect steel tanks. For long-term prevention, the use of fuel-to-ground magnet is recommended. These devices continually reverse the re-polymerization of the fuel during operation and the need for continued use of additives. All necessary treatment of diesel Craft Fluid Engineering www.dieselcraft.com
Conclusion
It is not a good time to see that the engine will not work, or that half of his life, he early because of poor quality or contaminated fuel. Given the fact that nobody can predict a breakdown, the only safe method is prevention.
Since we know that you now have a problem, and to manage or deal with the unexpected catastrophe and reduced equipment life, at just the wrong time, and not in the budget!
Diesel fuel begins to deteriorate as soon as it is done. Within 30 days of refining, all diesel fuel regardless of brand, through the natural process of re-polymerization and oxidation. This process forms varnishes and insoluble gums in the fuel, which causes the fuel, the molecule and bond together. These components now drop to the bottom of the tank and form asphaltene free as diesel sludge. Fuels will be dark in color, odor, and in most cases causes engines to smoke. The engines smoke because some of these groups at an early stage, are sufficiently low-pass filter-combustion engine and the Comoros. As these clusters increase in size, only a portion of the molecule is burned. The rest is unburned fuel and exhaust fumes. With increasing cluster size, first to reduce the fuel flow blockage of filters. The filters only address the symptom and not the cause.
It is estimated that eight out of ten diesel errors were directly related to poor quality and contaminated fuel. -The construction of the contaminated fuel and storage tanks can quickly clog filters, which cause the engine off, fuel pump wear, damage and diesel engine.
Understand that most fuel has some amount of water in them, either from condensation or vents. This danger, we must recognize the additional burden on diesel fuel compared to gasoline. Gasoline as a fuel only. Diesel, on the other side must also cool and lubricate injection system parts. These are technically part of the very close tolerances - up to 0.0002 inch - and any contamination means rapid part wear. Water displaces the diesel fuel. If the fuel displaced wear occur because lubrication is now missing.
Water used in the incineration Comoros causing severe damage. If they come into contact with the heat of combustion Comoros (about 2000 ° F), it immediately turns to steam and often explodes the tip injector. Water causes corrosion of tanks, pipes, injectors, and reduced flammability.
Other areas of concern to produce more exhaust fumes and the implementation of the EPA standards.
Bacteria also a serious problem. Bacteria feed on nitrogen, sulfur and iron in the tank or.
Then there are algae. There are no algae in diesel. You have fungus and microbial contamination but no algae. This is a misnomer for diesel sludge. If you have a diagnosis of algae and a biocide, you two things 1) a mechanical, which is false, and 2) nothing to fix the problem.
Why is it so bad fuel?
Number one reason is because of the increased popularity of diesel power and the accompanying increased demand for diesel. There was a time when diesel fuel remained in the refinery storage tanks long enough to naturally separate and so that the clean fuel used. Now, with the rising demand, fuel never remains stationary long enough for the settlement, and water and suspended solids are sent to you as a user.
The change in refinery techniques is another problem. For more products per dollar, diesel refined from the peripheral parts of the oil barrel. This leads to a lower-class product that is inherently thicker and contains more contamination.
Third, the current fuel distribution methods also have a negative impact on the status of fuel at the time of delivery. In many cases, the brokers the sale of fuel to the main distribution terminals and determine delivery dates. There is no telling how long that is in the fuel distribution network and the number transferred. Rarely are these distributors filter the fuel, since the transfer.
The solution: Multifunctional diesel additive packages and hardware.
For your single vehicle or for the entire fleet, improving the quality of fuels through the use of additives and the state of the art is always a good choice.
Many oil additive packages solutions to key issues in relation to the performance of fuel, some fuel to increase lubricity, improving cold-flow and the improvement of cetane number. And some only the problem of rust and corrosion, but all should be taken into account.
Most diesel fuel additives contain combustion spreading that the release of oxygen during the compression stroke. This allows combustion to earlier, more complete fuel burn. A complete burn the whole power of the fuel and the engine can produce. As combustion spreading and a smoother running engine, more exercise, which improves fuel consumption and reduce emissions of black smoke.
Cetane number is a power and diesel, the higher the cetane number or cetane rating indicates greater fuel efficiency. The fuel is the cetane number effects, the duration of white smoking after start-up, drivability before warm-up, and the intensity of idling diesel engines emit. Increasing the cetane number of fuel and have a better performance.
In diesel fuel systems, fuel-lubrication for the pump and injectors. A fuel with low lubricity may cause excessive wear and premature failure of these components. Improve the lubricity and extend engine life.
Diesel pour points (the lowest temperature at which oil or other liquids will be under the prevailing conditions) in the range of normal winter. As fuel approaches for their point, paraffin in the form of fuel, wax crystals, which prevents it fluently. Flow-improver additives modify wax crystals, for a reduction in fuel consumption and a better cold weather performance.
For eye-storage tanks other issues must be seen. On-sight storage tanks are always a small amount of the first gallons of fuel, one of them, unless it is 100% drained and cleaned. So new, fresh fuel always added a little bad, when the fuel purchase. Dilution of the bad with the good times, the loss of the battle. The fuel will always be bad fuel until the main problem is to
The order of treatment of the problems associated with fuel should always begin with determining whether the water in the fuel and fuel, if microbes (fuel bugs) in them. Add water and fuel test kits used for the maintenance phase. If microbes are detected, then the use of biocides is needed. Biocides have no effect on the removal of mud and is not a problem. Biocides kill bacteria, it is everything!
Water should always be to resolve the problem by first use of fuel-water separators on the tank or equipment. Other multifunctional chemical additive should be added to improve fuel quality, and then, if necessary, a problem specific additive to dissolve diesel sludge and / or corrosion inhibitors to protect steel tanks. For long-term prevention, the use of fuel-to-ground magnet is recommended. These devices continually reverse the re-polymerization of the fuel during operation and the need for continued use of additives. All necessary treatment of diesel Craft Fluid Engineering www.dieselcraft.com
Conclusion
It is not a good time to see that the engine will not work, or that half of his life, he early because of poor quality or contaminated fuel. Given the fact that nobody can predict a breakdown, the only safe method is prevention.
Since we know that you now have a problem, and to manage or deal with the unexpected catastrophe and reduced equipment life, at just the wrong time, and not in the budget!
Dealership Scams Out There
Remember when buying a car, but only hesitantly at your local car dealer because you are not sure of the process of purchasing a car, as well as wary of possible commercial fraud? Did you feel that your knowledge of cars and learn about great deals, not good enough and want to learn more about this topic? Then read these tips, your understanding of commercial fraud.
Auto dealer and his business
To a proper understanding of car dealership scams, you must first give the idea of the car dealers themselves and how they feel on the trade sale of automobiles. First, the car dealer will not give you the offer in respect of the possible can. This is because the tendency of the buyer would go to another dealer and the other is probably a lower price, then the first buyer-seller loses the second dealer. To their chances, and you will be able to buy their car, will seek to agree with them prior to the final selling price. On your side, you can two things: maneuver the dealer price you bid or to negotiate terms of trade. If you decide to negotiate with the dealers, always on looking for the following tricks:
Low Balling
This is one of the tricks, most of the traders. They will seek buyers, it is the lowest price for a car to the buyer to enter into negotiations with the trader. The seller will probably say that the car that you have for smaller amounts, but if you are involved in the negotiations go, it appears that you are not promised a lower price after all. It's just an empty promise.
Best price adjustment
If you say that sellers are trying to look around and check other car dealers, dealer will ask you to comeback when you have the best price, and he was sent to them. At this point you may be too tired and sick around. It is possible that it will offer.
Commercial fraud
If you've already purchased the car, the seller will try to contact before your new car and tell you that the first prize for the car was $ 500 less, and would like to adjust the balance from you. If you do, it will be $ 500 at their expense.
Spraying
What to do to make your business steadily, until you buy a car. On the other hand, if you have other sellers on you and tells you that you would at lower prices, so you cancel. To avoid this, you should hand in your contact information. Some even give false phone numbers just to avoid very irritating car dealers.
Puppy dog trick
Dealers can use a car for one night or all day, his aim is not to fall for the car and buy.
Immediate sale
Dealer you very attractive prices, but also of the opinion that this solution is only until the end of the day. This will make you think too much and at the end of that mistake for the purchase of a car without checking what other car dealers have to offer.
Extra accessories
Vendors offer accessories such as: car mats, window shades and other accessories. The aim is to stop the question for a lower price because it is "extra" that you receive from the seller. This slows down the price negotiations and guide your attention from the price.
Each of us wants the best available and we are dismayed at the idea that someone took advantage of us MODIS operandi as car dealership fraud. So, before sending to the local car dealer, you should have a good idea of what he is talking about. As they say, only a fool unprepared to go into battle without weapons. Your weapon is knowledge, and to always remember that
Auto dealer and his business
To a proper understanding of car dealership scams, you must first give the idea of the car dealers themselves and how they feel on the trade sale of automobiles. First, the car dealer will not give you the offer in respect of the possible can. This is because the tendency of the buyer would go to another dealer and the other is probably a lower price, then the first buyer-seller loses the second dealer. To their chances, and you will be able to buy their car, will seek to agree with them prior to the final selling price. On your side, you can two things: maneuver the dealer price you bid or to negotiate terms of trade. If you decide to negotiate with the dealers, always on looking for the following tricks:
Low Balling
This is one of the tricks, most of the traders. They will seek buyers, it is the lowest price for a car to the buyer to enter into negotiations with the trader. The seller will probably say that the car that you have for smaller amounts, but if you are involved in the negotiations go, it appears that you are not promised a lower price after all. It's just an empty promise.
Best price adjustment
If you say that sellers are trying to look around and check other car dealers, dealer will ask you to comeback when you have the best price, and he was sent to them. At this point you may be too tired and sick around. It is possible that it will offer.
Commercial fraud
If you've already purchased the car, the seller will try to contact before your new car and tell you that the first prize for the car was $ 500 less, and would like to adjust the balance from you. If you do, it will be $ 500 at their expense.
Spraying
What to do to make your business steadily, until you buy a car. On the other hand, if you have other sellers on you and tells you that you would at lower prices, so you cancel. To avoid this, you should hand in your contact information. Some even give false phone numbers just to avoid very irritating car dealers.
Puppy dog trick
Dealers can use a car for one night or all day, his aim is not to fall for the car and buy.
Immediate sale
Dealer you very attractive prices, but also of the opinion that this solution is only until the end of the day. This will make you think too much and at the end of that mistake for the purchase of a car without checking what other car dealers have to offer.
Extra accessories
Vendors offer accessories such as: car mats, window shades and other accessories. The aim is to stop the question for a lower price because it is "extra" that you receive from the seller. This slows down the price negotiations and guide your attention from the price.
Each of us wants the best available and we are dismayed at the idea that someone took advantage of us MODIS operandi as car dealership fraud. So, before sending to the local car dealer, you should have a good idea of what he is talking about. As they say, only a fool unprepared to go into battle without weapons. Your weapon is knowledge, and to always remember that
Auto Repair Has Never Been More Important
Automotive service and repair work has changed dramatically after generation, in accordance with the National Institute for Automotive Service Excellence (ASE), an independent group that tests and certifies the competence of auto technicians nationwide.
Today, high-tech systems, which 30 years ago would have been unthinkable - Anti-lock brakes, electronic engine management and computer diagnostics - are on the agenda. There is no evidence that the rapid pace of technological progress will have any time soon, either with the arrival of hybrid vehicles, and this function is on the horizon as interactive suspensions continuously variable speed gearbox and 42-volt battery.
For automotive service professionals, this means training and work, to keep pace with the plethora of changes. Disparaged years as a "fat monkey" now drive automotive technology, just as comfortable as a computer monitor and keyboard, such as under the hood is back.
ASE is a reminder for motorists to the service lists in their owners' manuals in front of the long-distance drive. While some would present an ominous service engine light, do skip a lot of oil. So far, the investigation of the survey, ASE-certified technicians Auto Masters say that the old oil change is one of the most important services to the most of your investments automotive industry.
ASE was founded in 1972 as a nonprofit, independent organization dedicated to improving the quality of vehicle maintenance and repair through voluntary testing and certification of automotive professionals. The 400,000-certified technicians wear blue and white ASE shoulder insignia and carrying out its mandate accurate list of the areas of certification. Their employers often the ASE sign.
Today, high-tech systems, which 30 years ago would have been unthinkable - Anti-lock brakes, electronic engine management and computer diagnostics - are on the agenda. There is no evidence that the rapid pace of technological progress will have any time soon, either with the arrival of hybrid vehicles, and this function is on the horizon as interactive suspensions continuously variable speed gearbox and 42-volt battery.
For automotive service professionals, this means training and work, to keep pace with the plethora of changes. Disparaged years as a "fat monkey" now drive automotive technology, just as comfortable as a computer monitor and keyboard, such as under the hood is back.
ASE is a reminder for motorists to the service lists in their owners' manuals in front of the long-distance drive. While some would present an ominous service engine light, do skip a lot of oil. So far, the investigation of the survey, ASE-certified technicians Auto Masters say that the old oil change is one of the most important services to the most of your investments automotive industry.
ASE was founded in 1972 as a nonprofit, independent organization dedicated to improving the quality of vehicle maintenance and repair through voluntary testing and certification of automotive professionals. The 400,000-certified technicians wear blue and white ASE shoulder insignia and carrying out its mandate accurate list of the areas of certification. Their employers often the ASE sign.
A General View About The Bicycle
A bicycle, pushbike, or bike is a pedal-driven land vehicles two wheels on the frame, one after another. They were first in the 19th Century in Europe, and rapidly developed into well-known, the current design. Numbering over 1000000000 in today's world, round the head of transport, in many regions, as well as popular forms of recreation in others. The wheel is one of the most important inventions of mankind. However, there are many uncertainties regarding when and who invented the first round. According to general belief, the earliest bicycle was a wooden contraption koloběžce names like "celerifere" and was adopted by Comte de Medea Sivrac from France around 1790.
Summary of round --
The basic shape and configuration of the frame, wheels, pedals, saddle and handlebars on a bicycle almost changed from the first chain-driven model that was developed in about 1885, but many important detail improvements have been made, mainly because of the recent use of modern materials and computer-aided-design . For example, the traditional design of the saddle or seat on the bike remained more or less the same. Although there have been experiments with noseless seats, people still prefer the traditional size.
Lights are another important factor is to continue to ignore the wheel. Even if you do not have to use a bicycle after dark, you will have a precautionary lighting. Lighting on the bike is in relation to others and themselves visible for the other two, which help in the prevention of possible accidents in the dark.
As far as the images are used different materials. Carbon, aluminum and magnesium are frames which are very popular. It also supports the titanium frame, but are still expensive, are limited to cream.
Summary of round --
The basic shape and configuration of the frame, wheels, pedals, saddle and handlebars on a bicycle almost changed from the first chain-driven model that was developed in about 1885, but many important detail improvements have been made, mainly because of the recent use of modern materials and computer-aided-design . For example, the traditional design of the saddle or seat on the bike remained more or less the same. Although there have been experiments with noseless seats, people still prefer the traditional size.
Lights are another important factor is to continue to ignore the wheel. Even if you do not have to use a bicycle after dark, you will have a precautionary lighting. Lighting on the bike is in relation to others and themselves visible for the other two, which help in the prevention of possible accidents in the dark.
As far as the images are used different materials. Carbon, aluminum and magnesium are frames which are very popular. It also supports the titanium frame, but are still expensive, are limited to cream.
Nissan Maxima 300 avalon
In the 1990s, Nissan has released a new version of the greatest critical recognition in the automotive industry experts, as well as consumers for mounting in a car with a record-breaking numbers. Nissan carried the momentum forward until 2004-when the model was carried out by many as a step backwards and turnover decreased. Well, in the near future, the opening of a new Nissan Maxima and the company of the Chrysler 300 and Toyota Avalon, the crosshairs!
Make no mistake about it: If consumers are disappointed by the model is that it is somewhere else, not even in the situation, the brand loyalty of consumers and the phone. Nissan showed painful, in 2003 as the first top-models in 2004. Turnover fell to potential buyers about the cheap looking for internal and external changes.
Nissan and Toyota loss of profits, the Chrysler full-size Chrysler 300 rear wheel is very well executed, and the new-for-2006 Toyota Avalon evoking favorable comparisons with the current Lexus models. Nissan, the realization of the loss of income, loss of sales ran over and led the redesign, the new car on the market. This means that the new Maxima is likely to be similar to those of the vehicle division of Nissan, the Nissan Infiniti luxury car more than all previous.
So what are the main changes? It is a new external design style, Infiniti, more sophisticated and luxurious interior of the decisions is standard equipment.
Of course, if you have more money in the new Maxima, but in the end you drive a car that actually competes with the Chrysler and Toyota's sales in the important large car segment. This is good news for Nissan and for you, the prospective buyer.
Make no mistake about it: If consumers are disappointed by the model is that it is somewhere else, not even in the situation, the brand loyalty of consumers and the phone. Nissan showed painful, in 2003 as the first top-models in 2004. Turnover fell to potential buyers about the cheap looking for internal and external changes.
Nissan and Toyota loss of profits, the Chrysler full-size Chrysler 300 rear wheel is very well executed, and the new-for-2006 Toyota Avalon evoking favorable comparisons with the current Lexus models. Nissan, the realization of the loss of income, loss of sales ran over and led the redesign, the new car on the market. This means that the new Maxima is likely to be similar to those of the vehicle division of Nissan, the Nissan Infiniti luxury car more than all previous.
So what are the main changes? It is a new external design style, Infiniti, more sophisticated and luxurious interior of the decisions is standard equipment.
Of course, if you have more money in the new Maxima, but in the end you drive a car that actually competes with the Chrysler and Toyota's sales in the important large car segment. This is good news for Nissan and for you, the prospective buyer.
martes, 14 de julio de 2009
What are the penalties for driving without insurance?
The penalty for driving without insurance varies from state to state. If you are uninsured and you indicate a high “Intent to Drive” as an uninsured motorists, your vehicle tag can be seized and your car impounded. In addition, some states impose heavy fines for those who drive without auto insurance or continue to drive even if they are unable to keep their car insurance. Limited states fine a fee of $150 to $500 for driving without insurance.
The consequences can be far more serious if you are involved in an accident and do not have insurance. Most drivers are insured, but many drivers feel that drivers on the road today are driving without car insurance. You may have to comply with the financial responsibility laws (SR22, SR22s, SR16) including having to pay for any injuries or damages out of your own pocket.
We understands that state complacency allows for states to not uphold the laws of the land. As you will understand from our comments, the states don't consider this offense as a serious offense.
For every dollar you pay in insurance premium a portion goes towards those states that aren't aggressive toward uninsured drivers.
If your driving while uninsured, please get a quick quote and see if we can help you with your down payment or payment options, so you don't risk a fine or jail time. Uninsured motorist deserve protection and CarInsurance.com will work with shopper to get them the auto insurance coverage they need at low rates.
http://avtorentacar.com/en/2008-10-06/teens-or-seniors-who-are-the-worst-drivers/trackback/
What happens when my car is totaled in an accident?
When your car is totaled, the insurance company has an obligation to "make you whole," as that is defined in the policy.
Most policies value your vehicle using Actual Cash Value. "Actual Cash Value" means replacement value less depreciation.
This essentially means you have to be left in approximately the same financial position (with respect to the item insured - not in respect to any liens or leases that hold title to your car) you were in before the accident.
If you have physical damage coverage (comprehensive and collision) the insurance company will typically write you a check for the actual cash value of the vehicle, minus any deductible on your policy. If you are "upside down" on your loan or the cash value is less than your current loan amount ("Upside down" means owing more on a car than it's worth.) then you should consider GAP insurance. In this situation, if you don't have GAP insurance then you would be responsible toward your loan for the remaining balance. The terms of that payment are set through you loan contract.
Comment Update: Please see our related answer titled: How is the "actual cash value" determined?. This should answer your additional questions. It is the same in Arizona as in other states.
Most policies value your vehicle using Actual Cash Value. "Actual Cash Value" means replacement value less depreciation.
This essentially means you have to be left in approximately the same financial position (with respect to the item insured - not in respect to any liens or leases that hold title to your car) you were in before the accident.
If you have physical damage coverage (comprehensive and collision) the insurance company will typically write you a check for the actual cash value of the vehicle, minus any deductible on your policy. If you are "upside down" on your loan or the cash value is less than your current loan amount ("Upside down" means owing more on a car than it's worth.) then you should consider GAP insurance. In this situation, if you don't have GAP insurance then you would be responsible toward your loan for the remaining balance. The terms of that payment are set through you loan contract.
Comment Update: Please see our related answer titled: How is the "actual cash value" determined?. This should answer your additional questions. It is the same in Arizona as in other states.
I am required to carry a SR22 but don't own a vehicle. What can I do?
Sometimes there is a requirement by a state regulatory entity (usually the state Motor Vehicle Department) for an insurance company to certify that a driver has the ability to pay future claims up to the state required limit. This is the reason why you would have to have an SR-22. It shows that you are financial responsible and it is done in the form of a certification called an SR-22.
The certification is done by means of a form called an SR-22.
In this scenario, you would purchase non-owners SR-22. The SR-22 would provide coverage for your liability protection.
Even though you don't own a vehicle you may still be required to carry an SR22. This is called a non-owners SR-22 insurance policy. The vehicle isn't covered by an SR22 or a non-owners policy. Many readers get confused and believe that a non-owners liability policy is the magic bullet of coverage. It is not, it only covers liability up to the limits purchased. It does not cover the vehicle that you are driving, but only the liability that the driver may cause.
Each state is different, but as a general rule it doesn't cover you for a vehicle registered to you, one in your household, or a vehicle provided for your regular and frequent use. If you have a vehicle registered to you, one in your household, or someone provides a vehicle for your regular and frequent use, you should NOT purchase a non-owner policy for coverage in that scenario!
You may obtain a non-owners liability SR22 insurance policy with some of our partner companies. You can obtain a quote for a non-owner SR-22 policy by following the link and entering your zip code. If a non-owners policy is available, indicate that you do not own a vehicle at the top of the vehicle page.
If we offer the ability to get an online non-owners policy in your state, then the vehicle page will list this:
"Check this box if you do not own a vehicle and would like to purchase a non-owners policy." If this option is not available, please call our sales center so they can assist you in purchasing a non-owners policy.
Comment Update: An SR-22 is required by the state, not CarInsurance.com. The reason you may need a non-owners policy is because an SR-22 is liability insurance, which means it is protecting other people's injuries if YOU are negligent in an accident. This can occur if you are driving another car. That is the reason a non-owners policy is available.
If you own a vehicle, you will not purchase a non-owners policy. If you have a vehicle in your household, or a vehicle provided for your regular and frequent use then most non-owner policies will not cover that scenario.
Where we are able to offer non-owners insurance the vehicle screen has this option to select a non-owners policy: "Check this box if you do not own a vehicle and would like to purchase a non-owners policy."
Comment Update: You can drive any car, but the non-owners SR-22 coverage will only cover the liability portion up to the limits of your SR-22. It will not cover the car you are driving.
The certification is done by means of a form called an SR-22.
In this scenario, you would purchase non-owners SR-22. The SR-22 would provide coverage for your liability protection.
Even though you don't own a vehicle you may still be required to carry an SR22. This is called a non-owners SR-22 insurance policy. The vehicle isn't covered by an SR22 or a non-owners policy. Many readers get confused and believe that a non-owners liability policy is the magic bullet of coverage. It is not, it only covers liability up to the limits purchased. It does not cover the vehicle that you are driving, but only the liability that the driver may cause.
Each state is different, but as a general rule it doesn't cover you for a vehicle registered to you, one in your household, or a vehicle provided for your regular and frequent use. If you have a vehicle registered to you, one in your household, or someone provides a vehicle for your regular and frequent use, you should NOT purchase a non-owner policy for coverage in that scenario!
You may obtain a non-owners liability SR22 insurance policy with some of our partner companies. You can obtain a quote for a non-owner SR-22 policy by following the link and entering your zip code. If a non-owners policy is available, indicate that you do not own a vehicle at the top of the vehicle page.
If we offer the ability to get an online non-owners policy in your state, then the vehicle page will list this:
"Check this box if you do not own a vehicle and would like to purchase a non-owners policy." If this option is not available, please call our sales center so they can assist you in purchasing a non-owners policy.
Comment Update: An SR-22 is required by the state, not CarInsurance.com. The reason you may need a non-owners policy is because an SR-22 is liability insurance, which means it is protecting other people's injuries if YOU are negligent in an accident. This can occur if you are driving another car. That is the reason a non-owners policy is available.
If you own a vehicle, you will not purchase a non-owners policy. If you have a vehicle in your household, or a vehicle provided for your regular and frequent use then most non-owner policies will not cover that scenario.
Where we are able to offer non-owners insurance the vehicle screen has this option to select a non-owners policy: "Check this box if you do not own a vehicle and would like to purchase a non-owners policy."
Comment Update: You can drive any car, but the non-owners SR-22 coverage will only cover the liability portion up to the limits of your SR-22. It will not cover the car you are driving.
What is an SR-22?
An SR-22 is a document required as proof of financial responsibility by the court or under state law for persons convicted of certain traffic violations.
Definition of an SR-22 from the Car Insurance Learning Center: SR-22 is a form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual. Required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Each state has different variations of this form and requirements.
Click on this link to obtain an SR-22 quote from CarInsurance.com by entering your zip code and some basic information (SR22 is only available in certain states).
Comment Update: SR-22s are state specific and the requirements in one state may not apply in another state. You can expect an SR-22 or financial responsibility in every state except for these exceptions.
Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania don't require SR-22s, but if you have an SR-22 and then move to one of these states, you must continue to meet the requirements of the SR-22 state where the offense was committed.
New York and North Carolina don't require SR-22 filings, and most companies don't offer out-of-state SR-22 filings for policies in these states.
If you currently carry an SR-22 in one state but move to another state, you must fulfill the SR-22 filing period for your former state, even though you no longer reside there. Also, your insurance policy for your new state must have liability limits which meet the minimums required by law in your former (SR-22) state.
Comment Followup: You can only get an SR-22 form from an insurance company that is filed with the state to issue SR-22s.
Please read our related questions to help with your comments.
We do not know of any state that requires the SR-22 form to be held in the vehicle while driving. Most states list SR-22 status on your driving record, so law enforcement can look and see if you have it. Typically, it is the state motor vehicle department enforcing the requirement, not the police.
Definition of an SR-22 from the Car Insurance Learning Center: SR-22 is a form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual. Required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Each state has different variations of this form and requirements.
Click on this link to obtain an SR-22 quote from CarInsurance.com by entering your zip code and some basic information (SR22 is only available in certain states).
Comment Update: SR-22s are state specific and the requirements in one state may not apply in another state. You can expect an SR-22 or financial responsibility in every state except for these exceptions.
Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania don't require SR-22s, but if you have an SR-22 and then move to one of these states, you must continue to meet the requirements of the SR-22 state where the offense was committed.
New York and North Carolina don't require SR-22 filings, and most companies don't offer out-of-state SR-22 filings for policies in these states.
If you currently carry an SR-22 in one state but move to another state, you must fulfill the SR-22 filing period for your former state, even though you no longer reside there. Also, your insurance policy for your new state must have liability limits which meet the minimums required by law in your former (SR-22) state.
Comment Followup: You can only get an SR-22 form from an insurance company that is filed with the state to issue SR-22s.
Please read our related questions to help with your comments.
We do not know of any state that requires the SR-22 form to be held in the vehicle while driving. Most states list SR-22 status on your driving record, so law enforcement can look and see if you have it. Typically, it is the state motor vehicle department enforcing the requirement, not the police.
What are the cheapest cars to insure for a 16 year old girl or boy?
In most cases, the less expensive the car is to buy, the less expensive it is to insure.
In addition, domestic vehicles are usually less expensive to insure as are 4 door cars, 4 cylinder motors and minivans.
According to leading car retailers, these cost the least to insure in the first 5 years of ownership:
* Chrysler PT Cruiser 4dr Wagon
* GMC Safari SLE AWD 3dr Minivan
* Dodge Caravan SE 4dr Minivan
* Saturn ION 1 4dr Sedan
* Pontiac Sunfire 2dr Coupe
* Jeep Liberty Sport 4WD 4dr SUV
* Saturn L300 1 4dr Sedan
* Volvo S40 4dr Sedan
* Saab 38600 Linear 2.3t 4dr SportWagon
* Buick Century Special Edition 4dr Sedan
Good luck and happy car shopping. You can obtain as many quotes for as many different vehicles as you'd like at our web site. Enter your zip code and then some basic information for a quote. You can select different types of vehicles on the vehicle page to compare the difference in the rate.
If you are looking for an older vehicle then you should still use the same reference that a less expensive car to purchase is less expensive to insure.
Most safety experts caution against SUVs for teens. Young drivers tend to overcorrect when steering out of fear, this makes them more prone to roll their vehicles.
You should look for these factors on an older car:
* reliability
* safety
* price
Small cars, such as the Honda Civic, the Ford Focus and Saturn models are the most popular choices, but they aren't always the best choice for young drivers. The lightest vehicles have the highest death rates.
If you can stand it, minivans and large four-door cars have the lowest death rates. Insurers use these factors when considering your rate. The bigger and heavier car is a smarter choice for young drivers, even if it isn't cool.
Comment Update: We get many requests for exact numbers. Young drivers should understand that many factors affect your rates. We can give you numbers, but they will be different in every different locale throughout the United States. Here are some 6 month premiums with no tickets in different parts of Florida:
Central Florida:
* Bodily Injury 10000/20000 -- $546
* Property Damage 10000 -- $534
* Personal Injury Protection 1000 -- $386
* COVERAGE 2002 MITSUBISHI ECLIPSE SPYDER GT
* Comprehensive 500 -- $84
* Collision 500 -- $1,016
* Policy Total -- $2,566
South Florida:
* Bodily Injury 10000/20000 -- $880
* Property Damage 10000 -- $580
* Personal Injury Protection 1000 -- $634
* COVERAGE 2002 MITSUBISHI ECLIPSE SPYDER GT
* Comprehensive 500 -- $387
* Collision 500 -- $1,598
* Policy Total$4,079
Put your zip code in the quote box above and find out how much your area costs to insure a 16 year old.
In addition, domestic vehicles are usually less expensive to insure as are 4 door cars, 4 cylinder motors and minivans.
According to leading car retailers, these cost the least to insure in the first 5 years of ownership:
* Chrysler PT Cruiser 4dr Wagon
* GMC Safari SLE AWD 3dr Minivan
* Dodge Caravan SE 4dr Minivan
* Saturn ION 1 4dr Sedan
* Pontiac Sunfire 2dr Coupe
* Jeep Liberty Sport 4WD 4dr SUV
* Saturn L300 1 4dr Sedan
* Volvo S40 4dr Sedan
* Saab 38600 Linear 2.3t 4dr SportWagon
* Buick Century Special Edition 4dr Sedan
Good luck and happy car shopping. You can obtain as many quotes for as many different vehicles as you'd like at our web site. Enter your zip code and then some basic information for a quote. You can select different types of vehicles on the vehicle page to compare the difference in the rate.
If you are looking for an older vehicle then you should still use the same reference that a less expensive car to purchase is less expensive to insure.
Most safety experts caution against SUVs for teens. Young drivers tend to overcorrect when steering out of fear, this makes them more prone to roll their vehicles.
You should look for these factors on an older car:
* reliability
* safety
* price
Small cars, such as the Honda Civic, the Ford Focus and Saturn models are the most popular choices, but they aren't always the best choice for young drivers. The lightest vehicles have the highest death rates.
If you can stand it, minivans and large four-door cars have the lowest death rates. Insurers use these factors when considering your rate. The bigger and heavier car is a smarter choice for young drivers, even if it isn't cool.
Comment Update: We get many requests for exact numbers. Young drivers should understand that many factors affect your rates. We can give you numbers, but they will be different in every different locale throughout the United States. Here are some 6 month premiums with no tickets in different parts of Florida:
Central Florida:
* Bodily Injury 10000/20000 -- $546
* Property Damage 10000 -- $534
* Personal Injury Protection 1000 -- $386
* COVERAGE 2002 MITSUBISHI ECLIPSE SPYDER GT
* Comprehensive 500 -- $84
* Collision 500 -- $1,016
* Policy Total -- $2,566
South Florida:
* Bodily Injury 10000/20000 -- $880
* Property Damage 10000 -- $580
* Personal Injury Protection 1000 -- $634
* COVERAGE 2002 MITSUBISHI ECLIPSE SPYDER GT
* Comprehensive 500 -- $387
* Collision 500 -- $1,598
* Policy Total$4,079
Put your zip code in the quote box above and find out how much your area costs to insure a 16 year old.
What is GAP insurance?
GAP insurance can provide valuable protection during the early years of your car's life if you have a loan or a lease.
If a loss occurs, GAP insurance will pay the difference between the actual cash value of the vehicle and the current outstanding balance on your loan or lease. Gap Insurance protects your vehicle lease or loan. Sometimes it will also pay your regular insurance deductible.
If your vehicle has been totaled by accident, theft, fire, flood, tornado, vandalism, or hurricanes your insurance company typically pays the actual cash value. That may be less than its actual retail value. It is often considerably less than the actual amount you still owe on your loan or the amount due for a lease payoff.
The amount between your insurance deductible and the loss from this financial shortfall is the “gap” you can be left owing.
When you purchase your policy online with CarInsurance.com, most of our carriers offer this coverage. It is labeled Loan/Lease Gap coverage. You can purchase it easily with your policy for very little premium. If you don't have a policy, we offers GAP Insurance as a separate policy through this online partner.
This is how a "GAP" occurs (using fictitious numbers):
* You choose a car that costs $25,000 and you drive it off the lot.
* After paying the down payment you owe $24,000 in car payments over 5 years (0% interest loan = $400 car payments).
* You purchase physical damage insurance (comprehensive and collision) with a $500 deductible to protect you against damages and loss.
* You have an accident while you are still upside down on your loan or lease ("Upside down" means owing more on a car than it's worth) and your vehicle is totaled.
* The insurance company determines that the actual cash value of the car is only $22,000, but at the time of the loss you still owe $23,500.
* GAP insurance should pay the difference plus your deductible totalling $2000. (Not all GAP policies pay the deductible)
Here are the line items:
* Loan Payoff at the time of accident: $23,500
* Vehicles actual value at the time of accident: $22,000
* Your deductible: $500
* Physical Damage Insurance Company pays: $21,500 ($22,000 minus $500 deductible)
* GAP insurance pays the difference between what is owed and what the Physical Damage Insurance Company pays (plus your deductible): $2000
Typically a new car is worth approximately 30 percent less in 3 months than the day it was purchased! In our example above, if you owned the car for 3 days, had physical damage coverage and the car was totaled, you could owe 20% to 30% of the $24,000 ($4,800 to $7,200 out of your pocket) even though you purchased "full coverage."
Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. This is not so. Many car insurance companies offer a GAP option (Loan/Lease Gap Insurance) as an optional coverage that is available with physical damage coverage. If you carrier doesn't offer it, you can purchase it here: CarInsurance.com offers GAP Insurance.
Remember these possible exclusions/policy rules:
* Maximum Limit of Loss: $50,000
* A GAP claim settlement may not cover the entire gap due, when your loan's Original Amount Financed exceeds 120% of MSRP (new vehicle) or NADA Retail Value (used vehicles), plus 30% of Value allowable for Additional Financed Items like Credit Life or Service Contracts.
* The claim settlement does not cover late charges or other penalties due to your lender.
* Your loan amount financed must be less than or equal to $100,000.
* Your loan term must not be greater than 84 months.
* The loan must not have a balloon payment due at the end of the term.
* The maximum APR is 12.5%
Comment Update: Your situation where you left the dealership and only have the car for 15 minutes is the perfect scenario where GAP insurance applies. The car isn't worth the value you paid for it, therefore your insurance company will only give the "cash value" of the car. The other person is likely responsible for all the damages, but if their company doesn't give you full value then GAP insurance would pay the difference and likely go after the liable party (subrogation).
If a loss occurs, GAP insurance will pay the difference between the actual cash value of the vehicle and the current outstanding balance on your loan or lease. Gap Insurance protects your vehicle lease or loan. Sometimes it will also pay your regular insurance deductible.
If your vehicle has been totaled by accident, theft, fire, flood, tornado, vandalism, or hurricanes your insurance company typically pays the actual cash value. That may be less than its actual retail value. It is often considerably less than the actual amount you still owe on your loan or the amount due for a lease payoff.
The amount between your insurance deductible and the loss from this financial shortfall is the “gap” you can be left owing.
When you purchase your policy online with CarInsurance.com, most of our carriers offer this coverage. It is labeled Loan/Lease Gap coverage. You can purchase it easily with your policy for very little premium. If you don't have a policy, we offers GAP Insurance as a separate policy through this online partner.
This is how a "GAP" occurs (using fictitious numbers):
* You choose a car that costs $25,000 and you drive it off the lot.
* After paying the down payment you owe $24,000 in car payments over 5 years (0% interest loan = $400 car payments).
* You purchase physical damage insurance (comprehensive and collision) with a $500 deductible to protect you against damages and loss.
* You have an accident while you are still upside down on your loan or lease ("Upside down" means owing more on a car than it's worth) and your vehicle is totaled.
* The insurance company determines that the actual cash value of the car is only $22,000, but at the time of the loss you still owe $23,500.
* GAP insurance should pay the difference plus your deductible totalling $2000. (Not all GAP policies pay the deductible)
Here are the line items:
* Loan Payoff at the time of accident: $23,500
* Vehicles actual value at the time of accident: $22,000
* Your deductible: $500
* Physical Damage Insurance Company pays: $21,500 ($22,000 minus $500 deductible)
* GAP insurance pays the difference between what is owed and what the Physical Damage Insurance Company pays (plus your deductible): $2000
Typically a new car is worth approximately 30 percent less in 3 months than the day it was purchased! In our example above, if you owned the car for 3 days, had physical damage coverage and the car was totaled, you could owe 20% to 30% of the $24,000 ($4,800 to $7,200 out of your pocket) even though you purchased "full coverage."
Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. This is not so. Many car insurance companies offer a GAP option (Loan/Lease Gap Insurance) as an optional coverage that is available with physical damage coverage. If you carrier doesn't offer it, you can purchase it here: CarInsurance.com offers GAP Insurance.
Remember these possible exclusions/policy rules:
* Maximum Limit of Loss: $50,000
* A GAP claim settlement may not cover the entire gap due, when your loan's Original Amount Financed exceeds 120% of MSRP (new vehicle) or NADA Retail Value (used vehicles), plus 30% of Value allowable for Additional Financed Items like Credit Life or Service Contracts.
* The claim settlement does not cover late charges or other penalties due to your lender.
* Your loan amount financed must be less than or equal to $100,000.
* Your loan term must not be greater than 84 months.
* The loan must not have a balloon payment due at the end of the term.
* The maximum APR is 12.5%
Comment Update: Your situation where you left the dealership and only have the car for 15 minutes is the perfect scenario where GAP insurance applies. The car isn't worth the value you paid for it, therefore your insurance company will only give the "cash value" of the car. The other person is likely responsible for all the damages, but if their company doesn't give you full value then GAP insurance would pay the difference and likely go after the liable party (subrogation).
What is an SR-22 form?
SR-22 insurance varies state to state.
The basic definition of an SR-22 form is available on our Insurance Terms page.
SR-22 isn't a type of insurance, but rather proof that you have certain types of insurance (based upon the financial responsbility laws of your state).
Simply, it is a form which must be filed by the insurance company to the state (Department of Motor Vehicles) stating that auto liability insurance is in effect for a particular individual.
Typically it is required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility OR if a judge has ordered an SR22 for other reasons (in some states).
Comment Update: Yes, it is simply a form showing you are carrying a certain type of liability coverage.
Please review our related question titled "What is an SR-22?" for more explanation to your request.
Comment Update: This answer is about the form, please see the related articles to learn what an SR-22 is.
The basic definition of an SR-22 form is available on our Insurance Terms page.
SR-22 isn't a type of insurance, but rather proof that you have certain types of insurance (based upon the financial responsbility laws of your state).
Simply, it is a form which must be filed by the insurance company to the state (Department of Motor Vehicles) stating that auto liability insurance is in effect for a particular individual.
Typically it is required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility OR if a judge has ordered an SR22 for other reasons (in some states).
Comment Update: Yes, it is simply a form showing you are carrying a certain type of liability coverage.
Please review our related question titled "What is an SR-22?" for more explanation to your request.
Comment Update: This answer is about the form, please see the related articles to learn what an SR-22 is.
In Illinois what is the penalty for driving with expired license plate sticker?
From what we have read an expired license plate (thus having an expired registration sticker) comes with a fine of around $90 in the state of Illinois. Also when renewing your registration fee, a $20 late fee will be assessed for all applicants who renew more than one calendar month past their registration expiration date.
So basically if you are 30 days past the expiration date of your plates / registration than you will get a late fee when renewing them along with the fine the court assesses for being caught driving with expired plates/registration on your vehicle.
The Illinois laws that appear to apply to expired registration are:
Chapter 625 of the Illinois Compiled Statutes (ILCS) Section 5/3-701 (625 ILCS 5/3-701) notes that a vehicle required to be registered in Illinois. A current and valid Illinois registration sticker and plate or plates is required.
625 ILCS 5/3-413 is titled Display of registration plates, registration stickers and drive away permits. Here under subsection (f) it states that no person shall operate a vehicle nor permit the operation of a vehicle, upon which is displayed an Illinois registration plate, plates or registration stickers after the termination of the registration period for which issued or after the expiration date. From what we have been able to find the penalty is then a fine if you are caught driving on an expired plate.
If you were ticketed for operating a vehicle in Illinois with expired plates (registration) than you should contact the court listed on your citation to find out the penalty that the court normally hands down for this and if renewing your registration before the court date will help you reduce or dismiss your ticket.
Do You have to be a student in order to get a G1 license?
According to the Ontario Ministry of Transportation representative you do not have to be in school to get your G1. There are bills regarding this issue that have tried to pass in the past so you will need to keep checking to see if the laws in Ontario do change in the future.
There was a bill regarding this issue that was originally introduced in 2005 where the Ontario legislature wanted to compel every high school student to prove they were in school before they were granted a license to drive a car. Students applying for their licenses would have to show a document to the Ministry of Transportation that proves they are an active student.
The government backed off the 2005 bill after conceding that law would be difficult to enforce. We had heard about new provincial legislation in Ontario that would take away teens driving privileges if they dropped out of school before the age of 18 however it appears that this legislature did not pass.
As we mentioned, we contacted the Ontario, Canada Ministry of Transportation (MTO), the licensing agency for Ontario, about if you could apply for a driver's license (G1) without presently being in school. They responded that if you are 16 years of age and older, you are eligible to apply for an Ontario driver’s license even though you are not in school.
Their site in fact states that the Ministry of the Attorney General reviewed all Ontario laws that set a minimum age requirement. This was done to ensure they obeyed provisions prohibiting age discrimination under the Ontario Human Rights Code and the Canadian Charter of Rights. After this review, the government decided to maintain 16 years as the minimum legal age for many "adult" activities in Ontario, such as leaving home or school, working full-time, getting married and driving.
We have heard that other legislation changed regarding how long you must stay in school had changed so that you are now required to attend school (or an equivalent learning program approved by the Ministry of Education) until you are 18 years old. So basically the drop out age had been changed however the MTO said that is not under their jurisdiction and so the representative did not confirm if this was the case now or not.
New York Car Insurance Requirements
New York Car Insurance Requirements
New York state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 UM limits.
New York Insurance Coverage:
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $50,000 Limit
The state of New York follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. New York state law requires a minimum Personal Injury Protection coverage of $50,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New York state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
When you get a quote at CarInsurance.com, our coverage page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs. If that is too complicated, CarInsurance.com's insurance agents are licensed in New York and available to help you all the way through the quote and purchase process.
New York state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 UM limits.
New York Insurance Coverage:
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $50,000 Limit
The state of New York follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. New York state law requires a minimum Personal Injury Protection coverage of $50,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New York state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
When you get a quote at CarInsurance.com, our coverage page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs. If that is too complicated, CarInsurance.com's insurance agents are licensed in New York and available to help you all the way through the quote and purchase process.
Finding low cost
Finding low cost auto insurance rates in New York has never been easier. This blog offers the best Online Insurance Marketplace™ to help you comparison shop for the lowest local car insurance rates available. We offer one convenient place to get a quote and buy a policy in 20 minutes or less. In addition, we have all the resources you need to make informed decisions about your car insurance. You get great service from over a dozen of the most reliable and affordable insurance companies in New York, so the only thing you do is shop to save money. The best rate in New York last year, is not the best rate in New York this year!
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