You Will Have to Undergo Some Driving Lessons Before You Are Allowed to Drive a Car on the Road

To anticipate spending too much money on medical expenses and car repair, purchasing insurance coverage is a good idea. In the event of accident, other people can be in danger too. If you are at fault, other people who are involved in the accident may file lawsuits against you. This particular circumstance will direct auto insurance company to handle all the necessary requirements, for example providing a lawyer, paying court fees, etc.

Insurance company eliminates the hassles, so you will be able to do your everyday activities without worrying about the issues too much. Another reason is that driving without insurance is basically against the law, and there will be penalties for that. Please put in mind that penalties vary between states. The difference can only be in terms of specific details, as instructed by the DMV of your state. All states have the same penalties, but there are differences in the amount of fines, procedures to reinstate insurance, etc. Some of the most common penalties are briefly outlined below.

Driving Ban & Suspended Registration

If you are caught driving without valid insurance, you will be banned from driving and your vehicle’s registration will also be suspended. There is a very simple rule: if the car has no insurance, the vehicle has no plate as well. Commonly you have to turn in the vehicle’s plates to the local DMV. In certain states, such as in New York, car insurance must be provided by a licensed company, meaning your insurer has to be listed or licensed by New York State Department of Financial Services.

Every state has a local insurance department where you can obtain a list of licensed insurers. Please make sure you only purchase coverage from the listed car insurance companies to get valid proof of insurance. In New York, insurance coverage provided by any insurer from any other state will not be considered valid. It makes sense since every state has different details in traffic regulations. If you are driving without insurance, the New York State will suspend your vehicle’s registration until certain time period.

If registration suspension exceeds 90 days, your driver license will be suspended too, meaning you cannot drive any vehicle anymore until your driver license is reinstated. In New York, you have to pay a fee of $25 – $50 to reinstate the driver license. It is better to turn in your plates to the New York DMV before your insurance coverage ends; you will then get a receipt to proof that you already turned the plates in. This rule also applies even if your car is in the storage or parked at public road.

Car Gets Towed

Excluding New Hampshire, all states in the United States penalize uninsured drivers. However, each state implements different set of rules concerning the fines and other penalties. If you commit any traffic offense, your car will be pulled over and the officer will ask you to produce driver license, vehicle titles, and proof of insurance. You will be fined based on the offense. In most states, if you fail to produce proof of insurance, your car will be towed away and impounded.

Because you were driving the car when it was pulled over, you will be responsible for paying the storage fees and fines to get the car back. Depending on the state where you live, the total amount can be thousands of dollars. Considering you have to also purchase insurance before you can repossess the car, it is safe to say you will spend more money in addition to the fines and storage fees. Usually, you will need at least liability coverage to take the car back. However, if your driver license is suspended due to traffic offenses such as DUI (Driving under Influence) or other violations, you may have to take someone with a valid driver license.

You can bring the original insurance document, the copy of it, or simply fax it depending on the DMV. Please also make sure that you bring enough money to pay all the charges. Instead of paying thousands of dollars, it is best to purchase insurance coverage which is probably way less expensive. You can use online car insurance calculator to estimate the price of insurance policies from almost every insurer.

SR-22 Requirements

Once again, depending on the state where you live, proof of insurance can be in different forms. One of the most common is SR-22 document, which basically shows you have the least minimum liability requirement to be considered legal for driving. There are some situations where SR-22 is obligatory such as when you are caught for driving under influence, at fault in the event of accident, you commit too many traffic offenses, or having non-valid driver license.

If you are required to obtain an SR-22 document, you will have to maintain the minimum insurance requirement of the state in which the document is issued and keep the document for usually 3 years, even if you move to other states. If in any case your insurance lapses or is cancelled, your vehicle registration and driver license will be suspended again. SR-22 requirements can be different from state to state, but you can ask your local DMV or insurance company for more details.

Besides SR-22 document and insurance card issued by your insurer, there are two more valid proofs of insurance that you can use. In some states, the preferred form is electronic database sent by your insurer to the DMV. Even if your insurance company uses this procedure, you must always keep the insurance card with you as backup. It is worth mentioning that some people choose not to be insured, yet they use a different form of responsibility, which is a large amount of deposit. Surprisingly, many states allow people to use this form indeed.

There are two possible methods you can use if you choose not to purchase insurance policy from any company. First, you have to make large deposit but the amount varies depending on the state; it is usually from $25,000 to $100,000. Another way is to purchase or secure a bond with a surety company. The surety bond company should be an authorized one in your state. If you prefer to use one of those methods, please make sure to keep the certificate of bond or deposit with you.

Fines

The car is indeed yours after you purchase it, but you are not allowed to drive it on the road unless you also buy insurance coverage for it. The car should be covered by at least liability insurance before it can get to roadway. When you are pulled over due to any reason, the police officer will ask for insurance card or any other valid proof of insurance.

If you cannot produce it, you will receive a ticket in addition to the actual reason why you were pulled over in the first place. For example, if you are being stopped for speeding or driving in the wrong lane, and you are currently not insured, the tickets you receive will include all those offenses. Again, depending on the states, you will probably be able to dismiss the ‘driving without insurance’ ticket.

The other violations have been committed, and there is no way to dismiss the tickets. If you can produce the proof of insurance within the time period indicated on the ticket, this specific offense can be dismissed. This is possible only if you were actually insured at the traffic stop, yet for whatever reason you did not bring insurance card or any other proof of insurance. Based on this, even the best car insurance companies in the world will not be able to save you from the fines.

In case where you were not insured at all at the traffic stop, you have to deal with an exceptionally high fine. In Ontario, for example, the minimum fine for this offense is $5,000. According to NAIC (National Association of Insurance Commissioners), the exact amount varies by state, but it typically starts from $5,000 to $10,000. There is also a 25% surcharge added to the actual fee. Driving without insurance doesn’t make any sense, since you can get cheap auto insurance easily from many companies.

Jail Time

Jail time is usually for repeat offenses only. Uninsured driver will be put in jail for a maximum of 30 days depending on the situation. To make things worse, you still have to appear in court and pay the fines based on the offenses you committed. You will therefore are penalized with both penalties. Based on a study conducted by IRC (Insurance Research Council) in 2011, one out of seven drivers in United States is uninsured.

The main reason is that insurance policies are expensive, which is not a good excuse after all. If you do a little online research, you will find numerous websites providing car insurance estimate services for you free of charge. The websites usually access some of the most reputable insurers in the state and perform the estimation based on the personal data you provide such as age, car model, address, mileage, etc.

Such estimation will not be 100% accurate, but you can at least predict the actual amount you need to pay. If you won’t use independent estimator, you can ask for car insurance quotes from almost every company in the state. Those companies nowadays provide the quotes for free, and you can get it without buying their policies.

What happens if the other driver has no car insurance?

No Pay No Play

This is a relatively new penalty, and it is currently only implemented in 8 states across United States including Oregon, North Dakota, Alaska, Iowa, California, Michigan, Louisiana, and New Jersey. The law basically states that uninsured drivers are not allowed to receive compensations from insured drivers regardless who are at fault in the event of accidents. In Montana, for example, uninsured drivers are allowed to file a lawsuit against their insured counterparts to obtain compensation for non-economic damages.

With ‘no pay, no play’ law, uninsured drivers are prohibited from doing so because they basically are not providing the same benefits to others. In the simplest way, uninsured drivers are considered cheating on those who are insured. Those who do not have insurance will not be allowed to collect compensation for non-economic damages from other drivers who actually have insurance policies.

This can be a good idea, since there are cheap auto insurance quotes all over the market, and some people simply don’t want to purchase it even if it is against the law. The only way that uninsured drivers can file a lawsuit is when they pay large deductible (usually around $10,000). Only after that they can sue for property damage.

How a Faulty Exhaust System Can Make You Sick

If you smell fumes from your car when starting it or while driving, you have a faulty exhaust system. Breathing in the fumes can make you sick and cause drowsiness, nausea, vomiting and diarrhea. This part of the car should not be ignored because its carbon monoxide and breathing in too many fumes can put you to sleep permanently.

It could be caused from different components such as the catalytic converter or the exhaust manifold. The catalytic converter is an exhaust emission control device which converts toxic chemicals in the exhaust of an internal combustion engine into less toxic substances.

The exhaust system is usually piping used to guide reaction exhaust gases away from a controlled combustion inside an engine or stove. The entire system conveys burnt gases from the engine and includes one or more exhaust pipes.

The exhaust manifold collects exhaust gases from different cylinders and goes into one pipe. The muffler is the silencer to the exhaust system. With the descriptions of each part, you can see why if faulty it can cause a hazard to your health.

It’s best to take your car to a mechanic that specializes in exhaust systems as well as other repairs. If you go to a muffler shop, they will charge you more and possibly try to sell you the complete exhaust system when you need one part.

Catalytic converters are popular for going bad. You should never start your car in a closed garage. Always open the door first and once started, drive it out of the garage. People have died from a faulty exhaust system. The muffler just drowns out the noise but without it, you your car will be really noisy.

It’s very easy to detect, so once you smell strong fumes, get it to the mechanic. These toxic chemicals can cause a host of health problems and should be avoided. If you have a family member that knows about exhaust systems, ask them for advice and if they can guide you to a good auto repair shop. Go to two or three different shops and compare the pricing with the work needed.

Ask them to give you a written estimate with their guarantee in writing. By getting this done as quickly as possible, it will save your life or a huge hospital bill. By reading this article, you should know how a faulty exhaust system can make you sick.

Mobile Oil Change Business and General Liability Insurance Considered

Not long ago, I got an email from a gentleman wishing to set up a mobile oil change business in Florida. He was concerned about what sort of insurance he might need and was under the impression that a 1 million dollar commercial liability policy was needed up and beyond his work truck vehicle commercial auto policy. Okay so, let’s talk about this; is he correct?

It turns out that he most definitely is, you see commercial auto is not the same as completed operations or the potential liability while working. For instance, if a car catches on fire that you are working on, your commercial auto policy isn’t going to cover it. Do you see that point? So, this is the advice I explained to him;

You will need most likely want to get a commercial insurance policy; $1 million aggregate, 300K per occurrence general liability, with a “garage keeper’s liability” notation, and there will be some customer who may demand more, and also demand to be additionally insured, not just a certificate of insurance on file.

Commercial Auto Insurance is another need, but most commercial business policies will write them together as one. Find a good “commercial insurance broker” and have them scout out their sources, usually the broker-agent knows the underwriters very well (as in speed-dial) and can get you a good rate and the underwriter will understand the difference between mobile and fixed costs. Generally the commercial liability insurance is partly based on your estimated gross income.

Don’t over estimate or you will pay too much, and don’t underestimate or you may get audited by the insurance company or they might simple decide you are not a viable risk. Believe it or not most commercial insurance policies do have a clause in their insurance contracts that they may audit you and by signing the policy you pre-agree to those audits. Thus, it’s unwise to falsify information or underestimate. If you find that you may have underestimated you need to call your agent-broker and explain that, sometimes they will add to the premium, sometimes up the next year’s estimates for gross sales.

Now then, Florida is a great market for mobile oil changes, however, let’s not forget there is some competition there, some long-standing 25+ years in fact and so, insurance is only one aspect or piece of information which one needs to consider before starting a business of this type. Please consider all this and think on it, and develop a strong business plan.

Remanufactured Transmissions Vs Rebuilt and Used Transmissions

Transmissions can sometimes be very costly to repair if they require a complete rebuild. When they require a rebuild, you are often asked to spend quite a bit of money to have a problem fixed that you probably don’t understand very well.

Transmission Repair Cost

Getting an accurate price quote for a remanufactured or rebuilt transmission is important. There are many different types of transmissions and each type requires different parts and different rebuild kits.

When a transmission requires an overhaul, there are generally three options that you have. The first is to remove your existing transmission and rebuild it, then put the same, newly rebuilt unit back in your car. The second option is to replace your existing unit with a remanufactured transmission. The third is to replace your existing unit with a used transmission.

Rebuild / Rebuilt Transmission

In an overhaul typically done at a transmission shop (also known as rebuilding a transmission), the transmission is removed from the vehicle and completely disassembled with the parts laid out on a workbench. Each hard part is inspected for wear and damage and then either cleaned in a special cleaning solution, or replaced with another part depending on its condition. Parts that have friction surfaces, such as bands and clutches are replaced as are all seals and gaskets. The torque converter is also replaced, usually with a remanufactured one. Upgrades are typically performed to fix any original design defects from the year of manufacture. Automobile manufacturers often make upgrade kits available to transmission shops to resolve these design defects.

Remanufactured Transmission

The remanufacturing process brings a transmission back to as “new” as possible (original equipment). Most internal transmission parts are replaced and any worn parts are brought back to original production specifications. Technical service bulletins are checked and performed. The remanufactured transmission is fully tested and usually comes with a 3 year or longer warranty. There are several brands of remanufactured transmissions sold by auto parts stores and repair shops.

Used / Junkyard Transmissions

Used transmissions normally have high miles and no guarantees. Added to that, the exact make, model, engine size and computer coded transmission has to be installed in your vehicle. Many times, you will be responsible for the labor costs (several hundred dollars) and fluid costs (around $50) of removal and reinstallation if the first unit does not work properly. For every unit that does not work properly, the costs of installing a junkyard unit will double. If the unit is found to have high mileage (there is no way to tell), the unit will fail at any time.

Choosing An Option

When choosing an option, try to be as informed as possible. There are many honest transmission shops and remanufactured transmission companies. But just remember one last piece of information: “Cheaper is not always better”.

Buying a Used Car Part Wisely!

Each time you want to buy a used car part, insist on a great deal. Don’t think you will count on luck though – no way. There are a few things you need to do for making sure you don’t end up with a bitter deal.

Spend a little time now to save you serious money in the future. Make sure to check on Consumer Reports on the safest car parts out there. Appearance is one thing, but safety takes the priority.

Use a credible car yard shop and find out if you can bring the car for on-site fitting. Ask what cars they normally repair most frequently. Get details about the scope of inspection and, how long it takes, including the price. Have this information written as a precaution.

After car part inspection, get a written report with all costs involved for repairs. Also the vehicle’s make, model and VIN must be mentioned in the report. Read through every single small print and where in doubt seek for clarification. Your final offer should be based on the estimates if you ever decide to bargain for the car.

Why you should not buy used part from an individual?

Individuals or private sellers are not covered by the Used Car Rule. They also do not have to use the Buyers Guide. But, you can rely on the Guide’s list of an auto’s major systems to do your shopping. Do not be enticed by the outside look of the used car part, instead depend on the inspection by an approved mechanic.

A private sale is likely to be on an as is basis, the only exception is when your purchase agreement with the seller states otherwise. If a written contract exists, the seller has to live up to their full responsibility. Consider the manufacturer’s warranty or any other purchase contracts. The issue is whether these warranty and service contracts are transferable or not. Prior to the car part purchase, enquire if it’s still under warranty or service contract.

What You Should Consider Before Selecting an Auto Glass Repair Company

It can be difficult to make the best choice when it comes to auto glass repair. Everyone claims to be an expert as long as they are in the field. However, this is not always the case. Many companies do not have the best training and are only after making money. It is important to understand what a repair company can do. There are things that you should consider before you decide to schedule an appointment.

Do not wait until the break spreads

Many people wait a long time before making a replacement. If you drive around with a windshield that is broken, you are exposing yourself to great risk. The cracks can actually spread in the sight line as you are driving. This makes the structural integrity go down. This means that it will not be as effective as it should handle debris and protect you if you were to meet an accident. In most places, it is not legal to go on driving while the windscreen has a crack. If it has a crack, then vehicle inspections will be failed.

Getting a new windshield is not free even if your insurance coverage is zero deductible

You may not be required to pay for a new windshield but you still pay by way of insurance rates that are higher. On average, newer vehicles have windshields that are higher rated than older vehicles. This is applied according to the monthly rate. Technicians are responsible for diagnosing the repair.

The new windshield is not always as great as the original one

Many people think that the new glass is as good as the one that was originally installed. While it is very easy to think along this line, it is important to appreciate the fact that every manufacturer uses a glass that is in different specifications. Usually, the manufacturer uses an adhesive that is very strong when doing the installation creating a seal that is very safe and leakproof. Be careful about where the repair is done. This is because if not done well, it could leak and when an accident occurs, it could simply lose grip and cause a malfunction to your airbags. This ends up putting you at great risk.

Things to ask the company before going for an appointment

One of the fist questions that need to be asked is if they actually offer such repairs and how big the break should be before they can handle it.

You also need to ask about their money back guarantee policy on the repairs. Find out whether this is only offered for new windshields or for all the repairs.

The other thing that you need to ask is if they have warranties to cover water leaks. Find out more about the mobile services as well as free estimates if any.

One of the most important things that you should ask is how long you will have to wait before you can drive the car. In the cold season, the adhesive dries at a slower pace and it may help to know how long you will have to wait before you can use it again.

Paintless Dent Removal Technicians in Demand in a Niche Market

PDR Technician Earnings – Fact or Fiction?

Yes, that’s right – the claim made by some PDR Technicians are that an experienced PDR technician can earn as much as surgeons! The paintless dent removal industry has existed for the past 30 years in Australia and not many know about its existence! I would estimate that very few – perhaps 1 or 2 per cent of Australians have heard of this industry. Knowledge of those that do is often vague – referring to ‘sucking the dents out’. The industry has progressed technologically!

So when claims that there are people who train for up to a year or two and begin earning such money within 5 years, the reaction is often swift and hostile. I am often met with blank looks – friends politely nod and smile knowing that I normally don’t tell lies. Alas few if any accept the claims.

After all how can such an industry exist for so many years and not seem to appear in the media? How can people not know about it by word of mouth! The paintless dent removal industry has been rather secretive for years and deliberately so! Why would anyone want others to know what you are earning let alone how!

It may surprise you that actually the media has reported on this industry. After the controversial claims of bad practice by

“overseas hail chasers” were made after the 2011 Christmas Day Melbourne hailstorm. Check The Age news paper. Actually it was this media hype that consequently put the paintless dent removal industry into the spotlight!

“… One estimate puts chasers’ earnings at $5000 to $10,000 a week. It’s all pocketed, with no insurance costs to cover, no workplace premiums, no tax paid, no responsibility.”

Whatever the article set out to achieve ultimately underestimated the public reaction. Enquiries into PDR training skyrocketed!

Surgeons versus PDR Technicians

Analysing the earnings of the medical profession quoted by Business Insider – $250,000 to $500000 per year. Let’s not forget the investment into education and the years to get there! Just the cost of education can amount to $10,000 per year after HECS! We have not yet accounted for insurance. OK fair enough, PDR Technicians in the infancy of the industry paid between $10,000 to $40,000 for training or a business franchise in paintless dent removal industry. Now however, the cost of training PDR technicians have come down considerably to as low as $2900 for a 5 day PDR Course. Can it get any lower? Perhaps in the future – currently it has stabilised limited by the earnings of the PDR technicians themselves. For the time being, any lower than this and PDR technicians may as well just repair a car rather than train others – they can earn more!

Paintless Dent Removal Earnings can be substantial

Dwelling into what paintless dent removal is and their earnings – simply put, it is the art of removing dents without the requirement of painting the vehicle. The theory is that keeping the original factory paint work is important. PDR technicians complete an average hail damaged car within a day. OK so how can a PDR Technician clear 250K per year?

Consider a quotation on an average vehicle being about $2000-3000 during a hailstorm. Between 60-70 percent of this quotation goes to the PDR Technician. So even averaging $1000 per day to underestimate it during lost time, you are talking $200K to $300K per year!

Still not convinced? OK so not everyone can leave their family and chase hail around the country? There has to be an understanding between spouse and PDR Technician for them to go away for weeks or even months at a time not seeing their family!

The PDR Technician and Retail Sector Earnings

Well there is the retail market too. In the retail sector, paintless dent removal technicians contract to car sales yards, auctions, car rental fleet cars and the private clients to remove accidental vehicle damage such as car park and door dents. Although this usually requires more effort to come close to the larger earnings by hail repair standards, it still can be achieved! Here’s why…

The average rate for repair of one dent being $80 to $130 per dent depending on size or difficulty (not over-inflated when considering call out fees for plumbers and electricians). Repair one dent and charge even $80. Repairing 5 dents a day nets you $400! One dent can take a few minutes to 20 minutes to repair depending on experience. So hypothetically, even a single client can net $146000 per year! It is not uncommon to get several clients in a day but not every day. However, considering repeat clients and the odd customers who want their cars ‘clean’ of dents (cars are the second most important commodity in Australia), and further referrals for a good PDR technician, the numbers start adding up to that figure of $250k per year. And let’s face it, and you check yourself the next time you are stuck in a traffic jam, check the side of the cars for dents – you will be stunned to know how many dents there are around you! One in three readers of this article should have a dent on their vehicle…

So who qualified for paintless dent removal?

The next most common question I get asked is if I am not a panel beater, does it matter? The answer is no. Well, yes, a panel beater has knowledge of vehicles – models, panels, parts – they spend four years minimum learning the trade at TAFE and through apprenticeships. But so do spray painters. How about mechanics and their knowledge of cars. Throw in auto-scratch repairers, car detailers, window tinters and paint protection technicians. Yes, panel beaters are the most frequent clients for paintless dent removal training courses. But PDR courses can adopt other related trades.

What if I am not in a trade?

A course run in 2012 attracted a person who worked in administration within a bank. Yes a banker. It was our first non-industry person to train. We took on the challenge of training him but so did he! After a few hours on the first day of training, not only did he flourish, he actually excelled! Among his colleagues, it became apparent he was consistently producing the best dents amongst his group which included a panel beater! How can this be? He never touched a car in his life! He had to be taught how to remove and replace parts. Well, it is often said that attitude has a lot to do with success in PDR courses. He had everything to gain.

“Sometimes panel beaters are harder to teach if they come in with the wrong attitude, lack of patience or being two heavy handed.”

Are there women PDR technicians?

There is no secret that the paintless dent repair industry like the auto vehicle repair industry would be male dominated. Talking to a PDR trainer in 2015 who had trained mostly men but a few women. Those women however overall seemed to produce better work perhaps because they are not so “heavy handed” and perhaps some added “determination”. There are no conceivable reasons or barriers not to have women in the paintless dent repair industry.

A Career Changer?

The first phone call from clients tells me a lot about the person applying, their plans and underlying reasons. Some are subtle, others attempt to dominate the phone call – others simply know what they have researched and go for it! One of the myths however I immediately dispel is that this is not a “job” career change. Paintless dent removal is a business, a contractual business. Whether you work for yourself or contract to others it still is a business operation – no wages or salaries. So a sense of security is lost as well as challenges in finding the working clients. But there is a sense of freedom to work your own hours and choose your own clients once established. Despite the pros and cons, those that flourish are usually well known for their quality.

Can anyone do paintless dent removal?

In the extensive research across the internet and reading the many minds of PDR technicians themselves, there is a unique set of circumstances and conditions that has led PDR technicians to approach the industry and succeed. PDR technicians have the following qualities:

  • determination
  • perseverance
  • self belief to succeed at all odds
  • hard working
  • good eyesight
  • business minded
  • innovative
  • ability to work alone or in a team
  • ability to work in a variety of conditions
  • flexible

Most of the older generation of PDR technicians were fortunate enough to know or come across another PDR technician and get trained. Increasingly though more are getting into the industry through PDR training companies. The qualities listed above though are still important.

Success is hard earned

Becoming a PDR technician requires complete determination and perseverance because it is not easy to begun with. The first few hours of a paintless dent removal training course quickly sets the record straight: metal tool on metal panel is not a good mix. Paintless dent removal requires ultimate skill, determination and perseverance. It is too easy to get wrong, too easy to quit! Hundreds of hours of practice to make it through and become comfortable. In fact, two different sources of “training on a bonnet stand in the lounge room next to their wife watching TV” says it all. Just like intense determined training gets some to the Olympians to a gold medal – it takes such practice and determination to succeed in PDR.

Supply and demand

The old rule of “supply and demand” has a lot to do with the earnings of PDR Technicians. There are conflicting reports on there being too many PDR technicians out there. Are they simply trying to protect the industry for themselves? Because every time there is a major hailstorm, vehicle repairs often take up to 12 to 18 months to complete! Why? Supply and demand – there simply is a lack of quality PDR technicians in this country to do an ample amount of work. Furthermore, should we allow overseas PDR technicians to the work Australians can do? Heaven forbid when Sydney with a population of 5 million gets another April 1999 hailstorm! Why we still get car loving repairers into spray painting and panel beating when there are opportunities to get into the paintless dent removal industry defies belief!

Conclusion: Who will ride the lucrative rollercoaster?

Convincing anyone to enter this industry is like drawing blood from a stone! Making the change is difficult, requires planning and commitment. Do the risks outweigh the odds of success? You never know if you have what it takes to get into this industry. From the writing on the wall if you get through, whoever does ride the rollercoaster may be set for a lucrative and rewarding career! You never know if you have what it takes to get into this industry.To this day, I have yet to see an unsatisfied PDR Technician!

Car Title Loans For When Your Car Breaks Down

We all know how it feels, when your car just does not sound right and you know you need to bring it into the shop, but you fear what the mechanic will say. If only you had the money, you would buy a new car. If only you had the money, to fix your car, or get that new transmission the mechanic said you needed…

These days, most people are opting to fix their cars instead of buying new ones, because it’s less expensive and just makes sense in this economic environment. You would think since you own this car, fixing it is definitely cheaper than buying a new one, but auto repairs can be very expensive. And if you have bad credit, where are you going to get the money to cover all of the mechanic’s bills?

Here’s an idea you may have over looked – car title loans. With title loans, you can apply easily and all you need to do is have a clear title on your vehicle. That way you can use the equity you have in your car as collateral to secure the loan. If you can apply online, the lender will not know if the car is running or not.

Car title loans are often used to help people pay for emergency repairs to vehicles. Before you apply for the loan, get an estimate on the repairs so you know just how much you need to cover all the costs. Then fill out the application online. It’s quick and easy and you shouldn’t take long to find out if you’re approved.

The lender will run a credit check, but you can get approved whether you have good credit or not. The loan amount will be for a percentage of the value of the car. But remember if you fail to make payments, the lender can repossess the vehicle.

This type of loan is a secured loan so you won’t be subjected to those insanely high rates of the unsecured variety. Once your car is fixed, you get to keep the car while you pay off the loan. So, you don’t have to rely on others for transportation. Because your car is so important for getting to jobs or interviews, you’ve got to keep it in good working condition. Just because you have to drive an old car doesn’t mean it has to look it.

Get enough cash from car title loans to not only fix what’s broken, but give it a shiny new paint job as well. Change the color, give it some character. It’ll be like having a new car without the new car payment. Depending on how much you borrowed, you can have it paid for in two years or less.

Car title loans are great for those emergency situations when you need fast cash. When you’re car goes kaput, don’t give up on it. Apply for car title loans, get it fixed and get back on the fast track in no time. You can’t afford not to.

Where to Repair Your Damaged Wheel Rims

If your wheel rims are damaged they can be repaired. Many times car owners do not get their vehicle wheel rims repaired because they simply do not know they can be repaired or they don’t know where to take them for repair. You can find great auto reconditioning specialist who can repair your wheel rims in no time. They will look like new rims for a fraction of the time and cost of getting new ones. So, where can you get damaged wheel rims repaired?

If your wheel rims are scratched, dented, scraped or need attention in some way you can get them repaired. A lot of times our vehicles wheel rims receive damages while we are parking and get too close to the curb or if we drive to close around a curbed corner. Most people either drive around with the damaged wheel rim or try to buy new ones. But, driving around with damaged wheel rims is not good for your wheels and they look bad causing the rest of your vehicle to look bad. And if you are thinking you will just buy new wheel rims I hope you have a lot of money saved up, because they are expensive. The best thing to do, which many people don’t know can be done, is getting your damaged wheel rims repaired. The best thing is they are repaired for only a fraction of the cost of getting new wheel rims and it can be don’t quickly so you get back on the road quicker!

If your wheel rims are damaged and you would like to get them repaired you will need to look for an auto reconditioning shop near you. Auto reconditioning shops handle minor auto body repairs of all sorts like bumper repair, windshield repair, paint touch up, paintless dent repair and more, and most times this is where you will find someone to repair your damaged wheel rims. You will want a shop that has a creditable name and will do a quality job for you. You first want to ask around and see if the shop is good. Also make sure that you get a good feeling from the people who work there. You then need to get estimates for the repairs. You definitely want a quality job but you also want a good deal. You can then ask them about how they will repair it and make sure they are knowledgeable about the repair you are asking for. Then you should ask to see an example of previous work they have completed, this will give you an idea of the quality of work they produce and if you accept it. Once you have decided to use a shop they will get working on your vehicle. This repair can be completed quite quickly so you shouldn’t be without your vehicle for too long. Your vehicles wheel rims will come out looking like new with this great service offered by most auto reconditioning shops.

Don’t wait anymore if your wheel rims are damaged; get them repaired fast and affordably at an auto reconditioning shop!

How to Know When Car Brakes Need Work

It would be a perfect world if our cars and trucks never required routine maintenance and upkeep, but unfortunately that is not reality. Our vehicles require a specific level of care to preserve and sustain appearance, performance, and most importantly, safety. Routine maintenance such as windshield wiper blade replacement, radiator flushes, tire rotations, oil changes, tune-ups, and more, are critical to overall vehicle preservation.

Pay Special Attention to the Brakes

One of the most important components to keep in a safe and functional condition is the braking system. This system requires special attention in order to keep you safe on the road and protect your investment. If you neglect your car brakes, not only can it cause extra damage to your vehicle, it can lead to your car being a total loss. That is because, in many cases, when an entire braking system needs replaced, the cost can exceed the total value of the vehicle. In this situation, a person’s best bet is to sell their totaled car to a junk car buyer, purchase another vehicle, and then stay dedicated to a routine brake maintenance agenda to avoid vehicular damage.

As soon as you start to notice signs of brake problems, bring your car into a professional automotive body shop for an inspection before the problem can cause overall car damage. Don’t know the signs that suggest your car brakes need some work? Continue reading to learn the most common ones to keep an eye out for while you drive!

Repair or Replacement?

To understand how to identify or look out for brake problems in your vehicle, first it is helpful to understand the basic components of a car brake system. There are four general parts: the hydraulic clamp, brake fluid line, brake pads, and brake rotors. Some may argue that brake pads and rotors are actually part of the wheel, but in this case, we will still include them because they can influence the need for brake repair. In most cases, the brake lines and hydraulic clamp will not experience much wear and tear; they are built to last a long time. On the other hand, brake pads and rotors are susceptible to wear and tear at all times and will need replacing every few thousand miles or so.

They are exposed to deterioration every time you drive because the pad presses against the smooth metal rotor every time the brake is applied. Over time, this pad is worn down and will make a recognizable noise to warn you that they are low. Brake pads squeal or hiss when they get low. The noise is actually the result of the bare pad scraping against the metal rotor (the metal disk that spins on the wheel) and causing friction between them. It can start out as a faint squeak, and turn into a high-pitched squeal if neglected. If you hear grinding then the pad is most likely worn completely thin and is grinding against the rotor. This can really damage the brake rotors. The thickness of the brake padding, the amount of driving you do, and the way you drive all influence the amount of times you will need to replace them.

Selling a Junk Car for Cash

If you discover that your car brakes are shot and need to be replaced, but the cost exceeds the total value if your vehicle, you can still make it profitable by selling it to a junk car buyer. Choose a company that has premium electronic scales that can accurately assess the value of your junk car. Then use the cash toward another vehicle!