Category Archives: Automotive Fuses

Getting Car Insurance on a Vehicle That You Do Not Own

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By Ed Sneineh

Can people establish an auto insurance contract on a car that they do not have title to? The answer is always ‘yes they can’. There is absolutely nothing illegal or unlawful (ie in the structure of the law, or in the state laws) that forbids insuring any automobile that you do not have possession to. The proper question, however, is if the policy contract that is insuring a vehicle which is not owned by the named insured is a valid contract- policy. The exact answer in this scenario is ‘it depends.’

One of the key principles in the insurance world is the principle of indemnity, which pronounces exactly that the objective of any insurance contract is to bring back the insured persons to their financial settings prior to the loss, and that these people can never advance monetarily from the insurance contract or claims. From this point comes the notion of insurable interest. There has to be some insurable interest among the owner of the contract and the insured subject. Insurable interest dictates that a person has to incur some financial loss as a result of destruction of a property for him or her to have insurable interest in that property. In the insurance business, insurable interest must exit at the time of the loss for property and casualty (including car insurance.) For life insurance contracts, however, the insurable interest must be existing only at the time of the ratification of the application to get the insurance policy.

The reason why insurable interest must exist at the time of the loss is to prevent insurance fraud. Imagine if someone insures his friend’s vehicle while the fiend also has his own insurance, and then later for both him and his friend collecting money for a theft loss of the vehicle. Also, in life insurance there has to be some sort of blood, business, or marriage relationship between the owner of the life insurance policy and the insured at the time of signing the life insurance application (i.e. not necessarily at the time of loss or death). This is needed to prevent wagering upon human life.

If the car in question is a car that you do not own (possess no title for it), then there seems to be no financial loss for you in the event of a loss to the vehicle, therefore you may insure it, but your insurance contract may not be valid because at the time of the loss the car was not yours. Remember that while car insurance is about insuring a car, it is classified as personal insurance, meaning it has to do with a particular person, and not the car itself.

So how do you deal with situations where a car is given to you, but the title is still in the name of a friend or relative and you are now required to have insurance? The answer is very simply: The insurance must be in the name of the titleholder and you need to be listed as an additional driver. This is the proper way of handling the situation. An exception to that is if the title is in the name of the spouse. In that case the named insured and titleholder can be used interchangeably between husbands and wives. Also, placing insurance under your name for a vehicle that is titled under your child’s name is also acceptable as long as you demonstrate some proof that you will suffer financially as a result of loss to that vehicle and you list the child on the policy as an operator. Perhaps your child lives with you and the child still relies on you financially? That is a good case of proving insurable interest.

When you call your insurance representative to get some car insurance quotes be sure to report this information to your agent. Improper disclosure of the titleholder or Named Insured on the policy is one of the main reasons why insurance companies refuse paying claims later. Certain elder and mature people (over 24 years) insure cars that are titled in the names of other youthful drivers (under age 25) who are normally charged extra by almost all insurers. It is hard to convince the insurance company that a youthful driver who owns a vehicle is not driving it, and since the company issued the policy for the other mature driver without charging the proper premium there is good ground for proving misrepresentation, where in circumstance like that a company may not pay claims. For example, if the automobile was insured full coverage and there was a total loss the insurance company will ask named insured to give up the title of the auto for them to pay you for the auto. In the event that you do not own the vehicle, you cannot legally sign to transfer the title, hence the company may find itself unable to pay you!

About the Author: Ed Sneineh, insurance professional for over 20 years, former college educator of insurance, and founder of Insurance Navy, a leader in providing auto insurance quotes, Chicago. Visit our website and get your car, SR22 insurance quotes in 5 minutes or less. Insurance Navy represents major carriers such as AAA, Travelers, Progressive, Hartford, and more than 20 other carriers.

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Vehicle Maintenance

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By Brenda Williams

When should you get an oil change? How long in between service should you wait before you have your tires and wheels rotated and balanced? How much will all of this cost? How much can you expect to pay each time? These are all things to consider when thinking about vehicle maintenance. Additionally, did you know that it is actually bad to drive your vehicle when it is almost out of gasoline?

Before you purchase a car, you should really stop to think about all of the possible ways that you will have to spend money on your vehicle. For instance, with certain cars, the price tag may say one thing, but then you will later find out that it costs a significant amount of money to make any repairs to the car depending on where it was manufactured, what features your vehicle has and the number of dealerships and/or service centers that there are in the area who are capable of knowing exactly how to service your car.

My mother used to take her old Toyota Tercel to a local mechanic that she was friends with. However, when my father bought her a brand new Honda with updated electrical features in it, the next time she took it in for service to her local mechanic, he wasn’t trained in how to service an updated car like hers that had a brand new electrical system that he wasn’t used to, so he referred her to the dealership where my father purchased the car. No matter what type of vehicle you own in your life, you will inevitably have to take it in for routine maintenance. Whether it is for something as simple as an oil change or whether it is for something more serious such as a transmission check, your vehicle will more than likely have to be serviced.

When you do eventually bring your car in, you are going to have to make sure that you have enough money to cover the expenses. Additionally, before you purchase a car, you should make sure that you know what it is that you want to buy when you are looking for a vehicle. Be smart about it and make sure that you do all of the research ahead of time. For instance, if you know that you do a lot of driving, then a sport utility vehicle is probably not a wise choice. If you have children or are thinking of having children, then purchasing a sports car may not be the best idea either. The more research that you do ahead of time, the more likely it is that you will save yourself not only money and time but also the hassle of having to deal with car dealerships, unnecessary repairs or surprise costs for owning your vehicle.

There are things that every car owner has to deal with. For example, you will have to make sure that you keep up with getting your oil changed. While there has been an increase in the price of oil, it is still a relatively affordable procedure that you can keep up with when it comes to maintaining your vehicle. If you are planning on taking a long trip anywhere, always make sure that you check your tire pressure and make sure that your oil is changed. The last thing that you want is to break down on a road in the middle of nowhere!

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When Your Vehicle is Stolen

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By Brenda Williams

There have been times lately when I have almost wished that my car would get stolen so that I would have a great excuse for needing another car. However, after toying with this delightful thought, my dreams were soon crushed by the fact that I am pretty sure that having my car stolen wouldn’t mean anything to the car insurance company as I would probably still be responsible for paying some or all of what was previously owed on the vehicle.

Having your car broken into is not a great experience at all. However, having your car stolen is even worse. I say that having your car stolen is worse because, for most people, owning a car is their first major investment. In fact, some people easily spend upwards of $30,000 on a single car! This number doesn’t even begin to include all of the extra money that you would have to factor in for things such as car repairs, oil changes and gasoline expenses. By the time that all is said and done, you have probably paid the equivalent of owning a small house except for the fact that it is on four wheel.s

When I was a police officer, one of the major patterns that I was finding with stolen vehicles was the fact that most often than not, the vehicles were being stolen from a particular area during a particular time and that criminals were targeting a certain type of vehicle. For instance, in one area where there were numerous reports of cars being stolen, criminals were only stealing older model Honda Accords. In another area where cars were being stolen, people were too trusting and friendly (or perhaps forgetful and lazy) because they weren’t locking their car doors. In a couple of cases, people had their cars stolen right out of their garages because they had left their garage doors wide open!

Even if you think that you live in the nicest neighborhood in the world, and even if you in fact live in the nicest neighborhood in the world, crime is immune to that fact. Some things that you can do in order to protect yourself from having your vehicle stolen include making sure that you try to leave your car as empty as possible at all times. For instance, some people (and I have been guilty of this before) will leave valuable such as their wallet or their iPods and GPS systems, etc. in their vehicles…IN PLAIN SIGHT! This is just begging someone to come along and with one glance, see exactly what goodies you are tempting them to take.

Always try to park your vehicle in a well-lit area, and perhaps you should also invest in a car alarm. If you own a house, this may involve installing motion censored lighting on the exterior of your home as a way to deter criminals from entering the perimeter. There are all sorts of things that you can do to safeguard yourself against crime. That being said, what are you doing to prevent your car from being stolen?

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What Vehicle is Best For Hunting?

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By Albie Berk

What vehicle to use to scout or hunt is a decision largely based upon availability. Some hunter’s use elaborately set up rigs with big recreational vehicles sporting a canoe on top trailing an all-terrain two, three, four, or more wheeler to the rear. In some instances a bicycle may be just the thing to take you to the outskirts of town and stow away noiselessly where there are no places to park anything else. Of course packing your deer out may be another consideration! Most any automobile in good running condition will carry you to good deer hunting. The most popular mode for getting into the woods and getting the deer out is the four-wheel drive truck.

Maintenance and repairs should be performed on all vehicles well in advance of the hunt. An old fan belt or hose could be just the thing to foil your plans. A low battery can absolutely ruin your day. Make sure there is a good jack and spare tire. Gas and oil should be put in a day or so in advance to avoid the smell on your clothing and hunting boots. There are the rare instances of hunters having automobile trouble and having good luck hunting where their car broke down, but we choose to avoid these circumstances when possible. Remember Murphy’s Law. Murphy said: “If anything can go wrong, it will.”

Only take your vehicle to the limits of its design. Although it is a display of determination and fortitude to gun your family car as far as you can down a muddy logging or farming road until you become stuck, so you can hunt and worry about getting out later, this is simply asking for trouble for yourself as well as for those who will have to help you. This is a situation all too often encountered by hunters who find their roads blocked by someone unequipped to be in there. Farmers who live near old, muddy, rutted roads to deer woods have many encounters with bogged hunters seeking their help.

Use common sense and avoid unnecessary hardship. If you are going to travel one of these roads, get out of your vehicle and check out the pot holes and ruts before endeavoring to cross them. Don’t go in over your head. Remember that going in means you must come out. If it looks as if you may become stuck, keep moving, as this greatly decreases your chances of getting bogged down.

Keep up good speed over sand or gravel especially. You may let some air out of your tires to give yourself more traction in snow, sand, or mud. If you have extra air stored in a tank or a cigarette lighter operated air pump, you are well prepared, but if not you will just have to take it slowly to a gas station. If you get stuck and your tires are spinning, let your passenger get out and push right from the beginning instead of after the rut is deepened. Here a stitch in time saves nine. If you bury your vehicle you will have to use that shovel you thoughtfully placed in the car or jack it up to put something under the tires for traction. In these conditions you will need a good piece of wood for the jack to keep it from burying itself. When attempting to drive out, shift from drive to reverse in automatic transmissions or from second gear to reverse in manual and rock out. If you have a handy power winch attached to your vehicle that you can hook up to a tree you are in luck. A less expensive come-along tool can be very useful. Improvisations made with ingenious use of available materials have gotten many a wayfaring hunter out of a rut.

It is a good idea to carry alone some or all of these materials for getting stuck: winch or comealong, good bumper jack, block of wood, short-handled shovel, pair of grate tracks, pull chain or tug rope, tire inflation device.

If you should get stuck or have a breakdown, be patient and wait for another vehicle to assist. Don’t panic. Carefully build a fire to keep warm if necessary. Even in the most remote area someone should come around eventually. If you consider it a better move to seek help, then leave a note stating your intended direction. To avoid misunderstanding you may wish to leave a note on the windshield explaining who you are and what you are doing.

Even if you are so far out in the wilderness that you would never expect anyone else to come there, and you are not stuck, you should leave space for others to park. Be sure to park your vehicle in a way that is considerate of others. It is courteous not to block roads or take up space other drivers may need to turn around. Avoid parking in fields and crops and leaving ruts in the fields to create poor farmer relations.

Park your vehicle in a location where it could be watched. Few thieves will be foolhardy enough to risk being shot at by an armed hunter who may be watching or may be appearing at any moment. Anti-hunter fanatics have been known to slit tires and otherwise vandalize hunters’ cars. Likewise, greedy, land-dominating hunters who are unwilling to share their hunting site may seek to run you off by damaging your vehicle. It is a good idea to cover any valuable temptations visible to thieves.

An effective auto heater may be a necessity in colder areas. To be without one may be life-threatening.

Deer are not usually afraid of moving vehicles and rush off only when the vehicle stops. A deer within hearing distance is well aware of a stopped car and knows what a car door sounds like. The squeak of a car door may put the local trophy on the defensive for the rest of the day. When launching your hunt, make as few noises with your vehicle as possible, and you will enjoy increased success.

With deer poaching being such a problem in many regions, deer are wary of automobiles. Cut your headlights as you enter an area to hunt and use your parking lights to creep along the remainder of the way if this can safely be done.

Carry a basic repair kit that includes at least a crescent wrench, pliers, and a screwdriver along with standard tire changing tools. Having a screwdriver handy more than once has made the difference between a good hunt and a bad one.

We can only hope that three- and four-wheelers won’t be recreational slobs during the deer season when hunters are trying to be the least disturbing as possible.

A working horn is useful for calling other hunters and signaling for help.

Be careful when operating winches. Always be mindful of the possibility of cable break or release under stress. Stay protected from cable whiplash. The floor mat from your vehicle or your hunting jacket are handy to be placed on the tightened cable to foil the backlash.

About the Author: Albie Berk enjoys hunting and sharing what he has learned and any successful tips he can with others. He enjoys South Carolina hunting?and usually stays at Carolina Buck and Boar.

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Vehicle Security

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By Brenda Williams

The most important part of owning a vehicle is making sure the vehicle is always secure. All newly manufactured vehicles come equipped with locks on the doors, child safety locks and a handheld security feature. The locks on the doors usually lock automatically when the car is shifted from park to either drive or reverse. They usually unlock when the car is put into park mode. Child safety locks prevent the children from opening the back door(s) when the car is in motion or even when it is standing still. The doors can only be opened from the outside when unlocked. This helps parents emotionally; knowing that their child cannot open the door if they are goofing off in the backseat.

One other security option that comes with most new and used vehicles is the handheld security device to unlock and lock the car from a distance. It is called a key fob. The key fob also has a panic button on it to set off the car alarm if someone is suspiciously near the car or if someone is following the driver and it feels suspicious or unsafe. The key fob can also have buttons on it to open a sliding door on a minivan or the trunk of the car. Some key fobs also have a remote start up button to start the engine of the vehicle without being in the car. Those are separate from normal key fobs and cost more for installation.

Not everyone who owns a car feels safe enough with the security features that come with the car so they decide to purchase security features on their own. Many drivers purchase a security feature called “The Club.” “The Club” is a metal club that hooks onto the steering wheel, making it immovable. This is in the event that a thief tries to steal the car. They won’t be able to operate the steering wheel since “The Club” has made it immovable.

Other security features are the use of On-Star, which can be installed in most new vehicles, from the General Motors family. On-Star provides directions, accident assistance and vehicle tracking features if the car is stolen. On-Star also offers a door unlocking feature for drivers that have locked themselves out of their vehicle. All On-Star call centers are open and operable 24 hours a day for all of their services.

Security features in vehicles today are also offered in the trunk. Most new vehicles have a trunk release button inside the trunk in the horrific event that someone is placed in the trunk during a carjacking or other violent attack. This enables the person to open the trunk from the inside so their air flow does not disappear and they can exit the vehicle when it comes to a stop.

All of these features are not offered on every vehicle, nor do they come standard on all vehicles. Most of them do come standard; such as the panic button on the key fob, the child safety locks and door locks. “The Club” can be purchased at any retail store and On-Star is installed in certain General Motors models.

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