Articles Tagged with property damage

When thinking of muscle cars, safety is typically not the first thought. We think about speed, thrill, speed, excitement, and danger with these vehicles, and it shows.  Muscle cars have  higher insurance rates, increased scrutiny by police, and are involved in a higher proportion of collision.  People don’t think about this when buying these cars. Yet with all these risks, are car manufacturers doing all they can to preserve the riders? You would think that a type of car that experiences increased instances of high speed collisions would have beefed up safety measures to protect the driver, but do they? The IIHS (Insurance Institute for Highway Safety) has found the leading models to be lacking.

IIHS put the 2016 Chevrolet Camaro, Dodge Challenger, and Ford Mustang through the crash course to stack them up against more typical cars and each other. While the Mustang outperformed the others when it came to safety, none of them were able to secure the IIHS TOP SAFETY PICK. The Camaro lacks available front crash prevention system, and unexceptional roof strength. The Challenger had immediately concerning results. In the Small Overlap Frontal Crash Test, where the vehicle is crashed into a wall’s edge with a point of impact at about the driver’s side headlights, the driver’s side front wheel was pushed back into the foot well. The crash test dummy could not be extracted without removing its foot.

The takeaway from this test was that while the Mustang and Camaro achieved good results, but not exceptional, the Challenger had a severe fault in a crash test that accounts for 25% of real world frontal collisions. We all want to have some fun, and muscle cars certainly offer that, but do not forget to consider safety ratings when shopping for a performance vehicle. It could be the difference that keeps you alive to enjoy many more rides.

#1 Insurance company and body shop agree to repair price. Additional work needs to be done after repair begins (called a supplemental). Body shop contacts insurance company adjuster. Adjuster agrees that additional work needs to be done. Body shop completes work and contacts insurance adjuster for check for all the work performed. Adjuster, after agreeing to repairs, now decides NOT to pay for supplemental. Current status:

1. Car still in shop, repaired, but will not be released until payment is made.
2. Insurance company not paying for car.
3. Insurance company now cuts off rental.
4. Client has no car, no rental, and a bill for damages insurance company already agreed were necessary.

5. Client, who had no intention of calling a lawyer, now calls Lewis & Tompkins, P.C., D.C.’s car accident legal specialists, to fix this situation. Who needs to advertise when you have insurance adjusters making work for you?

Most people when purchasing automobile insurance, are concerned only with saving money on their premiums. Most people are buying insurance merely because they have to get insurance to get their tag turn on their vehicle. Unfortunately, most people do not appreciate the important role that insurance has been protecting them and their an automobile accident.

Car accidents are exactly that, accidents. No one wants to be involved in a car accident.

Here are some coverages that most people cut in order to save money on their premiums. The most frequently cut coverages are: