Vehicle Insurance Companies Claims Handling Process

In case of car insurance, it is very difficult to say it applies particularly to specified situations. The car insurance companies consider so many things to process the insurance claim. Those are like situation, individual insurer etc. The following is a general process by most of the companies in the claim process.

• After accident: Assume that you met car accident, with your auto claim you would be contact your carrier. For some carriers, you need to do online and for some through the pone. A few of them giving the option to chose either of the mode. The insurance companies ask for some or most of the common information. This includes policy report number, name of the police department involved, accident occurred description, location of the accident, accident date and policy number. In case of other parties are involved in the accident, you need to provide the information including name, license plate, address and insurance information.

• Filling your claim: After you report to your insurance company, they will call you. During this call they will determine what happened in the accident, knowing about the injuries, matching the person to their policy, some demographic information and extent of damage to the vehicles involved in the accident.

• Investigation phase: After you filled your claim, the company will assign you a representative or claims adjustor. That person will determine whether policy will cover your claim or not. If it covers he will ask further details, otherwise they will tell. You may asked to submit some copies of the documents such as police report. When the insurer feels some additional information is required, they may interview the witnesses. Your insurer sends inspector(s) to evaluate the vehicle condition and to provide the estimates of the repair. Or they may ask approved shops to visit, but you have a right to choose the shop. But if they charge more than the insurer expected, you have to pay the rest of the amount to the insurer.

• Repairing: After your car is sent to the shop for repairs they will start doing this. You can do it during this time is waiting for the communication as your car is ready. But remember you have to pay the amount that you deducted. It is not the matter that in which shop you had given for repairs.

After the repairs are completed, check your car properly. Make sure everything is working good and looking fine. If something is not working satisfactorily contact the shop where you given for repairs. This is the general process by many insurance companies, but it is not the only process. The process depends on the company, accident type and other factors.

Tips for Selling Cars Online

Before the advent of the Internet, there were only two ways of selling your car: selling it to the dealer or selling it privately. Nowadays, digital marketing has made selling of car a hassle free process. Here are some simple tips that help you sell your car.

1) Prepare your car and organize important documents: When selling your car, make it as attractive as possible.

• Start with cleaning your vehicle. Get your car's exterior waxed. Remove the trunk clutter and all interiors. Vacuum clean the interior surfaces.
• Replace fused off/burnt off lights and check for all fluid levels.
• Collect all the important documents like vehicle history report, maintenance records, etc. that a prospective buyer would like to see.

2) Snap some pictures: A key to online selling is using quality photos. Capture your vehicle's pictures from every angle. Keep in mind the following points:

• Highlight special features that make your car stand out.
• Shoot pictures clearly and to keep focusing on the vehicle, use a non distracting, simple background.
• The number of photos you like to post depends on the package you apply/select.
• Show off your car interiors and electronics. Do not be afraid of posting pictures of scrapes and dents, as the buyers would also like to know what is wrong with the vehicle. This will help build credibility and prevent surprises when a buyer comes to look at the car personally.

3) Write car description: This is the most important step in the process of selling your car. You should:

• Give honest, clear and thorough details about the vehicle, as this will build the trust.
• Think about what attracted you when buying that particular vehicle. Write about the number of cup holders, rear seat entertainment system and other features that make it a perfect family car.

4) Find a buyer: Buying a car online can be stressful for the buyer, as he is the one who will pay for the car that is unseen. To ease him, create an effective bridge of communication with him.

• Include several forms of contact number for the potential buyer when placing an ad.
• Be direct and honest if the buyer asks several questions.
• Try encouraging the potential buyer to see and test drive your vehicle.
• After discussing, follow up the buyer. Be careful if the information provided does not check out.

5) Take payment and transfer ownership: Whether you are dealing with person on phone, through email or in person, always be aware when taking payment. Remember the following points when taking payment:

• If a buyer is willing to pay via money order or check, accept only the exact amount.
• If possible, go to the bank with the buyer for verifying check's authenticity.
• If the buyer wills to pay by money order, follow the same safe payment guidelines for accepting checks.

After taking payment for the car, it's time to transfer ownership. Have both parties signed before the transaction is complete.

Hydraulically Actuated Electronic Unit Injector Fuel Delivery System

Hydraulic force can be used pressurize fuel to make diesel engines stronger and more efficient. The first model in diesel injection system is hydraulically actuated electronic unit injection system (HEUI). HEUI uses hydraulic energy to pressurize lubrication oil for injection. The hydraulically pressurized fuel is supplied to the fuel injector in HEUI.

lubrication oil that is pressurized to high level to presssurize fuel for injectors.  HEUI is more efficient than fuel injection system based on  mechanical means. It pressurizes fuel even when the engine is operating at low speed for fuel distribution to the ignition system.

The HEUI pressurizes lubrication oil at a pressure range of 6 MPA-25 MPA to pump the fuel into the injection system. It can improve the power output and the fuel economy of your vehicle.

Hydraulic pressurization of fuel
HEUI are gradually replacing mechanical camshaft with pressurized lubrication oil. The functions of HEUI injectors are pressurizing, metering. The HEUI  injectors  uses high pressure oil to power the fuel into the injection system rather than the fuel pump. It uses high pressure pump which  does not create pressure instead  It creates a volume of oil for the injectors to use

The inlet and outlet valve is controlled by hydraulic actuation. The HEUI working is similar to the working of hydraulic cylinders,where the lubrication oil is pressurized. HEUI system even reduces noise produced during combustion process.
The components of HEUI injector include the high voltage electric solenoid, poppet valve, poppet return springs, intensifier piston and the nozzle.

Electric solenoid
These are mounted on the cylinder head. They control poppet valve operations. The high actuated electric solenoids requires 7-12 amps of current.

Poppet valves
Poppet valves control the flow of oil pressure into the injector.

Poppet return springs
These are used to control the movement of the poppet valves. The spring compresses when the poppet valve opens and comes to its original position when the valve closes.

Intensifier piston
It is also called amplifier piston. It is used to magnify the pressure of  lubrication oil resulting to magnification of hydraulic pressure of a fuel.

Nozzle
The nozzle atomizes the fuel at a high velocity. The nozzle sprays fine droplets of fuel at a high velocity which eases combustion.

Advantages of HEUI
1. Less noise is produced during combustion.
2. HEUI is less weight and reliable compare to mechanical actuated systems.
3. Performance of the vehicle is high.
4. It does not depend on speed of the engine.
5. Results in better fuel economy.

Applications

• These engines are use in heavy and medium trucks.
• These are used in military vehicles.

Basics of Auto Title Loans

The car title loan is a loan offered for a short period, and is a small amount. Your vehicle's title have to give the lender to get the title loan. The lender can charge some fee to provide the loan on your vehicle title. The loan usually have to repay within a month. These loans can be expensive. If you are failed to pay the money to the lender, your vehicle will be taken by them. There are many sources to borrow money. You may get from your family members, friends, credit unions, banks, or with your credit card.

• Steps in the car title loan: You can get car title loan directly from store or through online. Generally, getting a car title loan involves the following steps.
• First, you need to show your car and its title, application for the loan and your photo id to the lender. Some lenders may ask you to buy a roadside service plan or extra copy of your car keys.
• If you meet the requirements of the lender to approve the loan, he will give you money. The lender keeps the title to your car with him.
• Usually the lender gives you a period of 30 days to repay the loan. Once the time is completed, you need to repay the lender for the amount you borrowed along with some monthly fees.

• Cost of the loan: The lenders charge you a monthly fee. This fee varies from lender to lender. It can be negotiable from many lenders. Sometimes the charges are up to 25% of the loan you borrow. For instance, you want to borrow 1000 dollars for 30 days, and the monthly fee is 25%. The total amount you owe to the lender after 30 days is ($1000+($1000*25%)) $1,250. Most loans have annual percentage rates (APR) which tells the costs of loan for year. The APR is based on the period you borrow the money, the fees you pay, interest rate and the amount of money you borrow. By doing a simple you can compare different sources and select the best suitable one for you.

• Advantages and disadvantages: The following are the advantages and disadvantages with the auto title loans.
• Advantages: Auto title loan enables the borrower to get the money quickly. These loans are processed within one or two days. The lender just looks at the car to estimate the worth of the vehicle that you need to borrow. There are no background and credit checks are involved, so anyone those are with a vehicle can get this loan. If the borrower has bad credit record, auto title loans are best, because they will give only with an assumption of the borrower can pay back along with interest or fees. Another advantage is even after the loan granted, the vehicle is with the borrower only.
• Disadvantages: Auto title loans are for short-term only. The interest on the loans are low but every time you extend the loan period, interest on loan increases. If the borrower defaults the loan payment, there is risk of losing the vehicle.

Before you get the vehicle title loan, consider other choices and sources. Before you are taking loan, ask the lender to tell the costs in dollars, and APR. Borrow an amount, that you can pay within the due date of the loan.

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Step by Step Procedure for Cleaning Your Car

When it comes to cleaning your car, nothing will be worse than the poor technique of cleaning, thus ending up wasting time or more worst scratching your car permanently. Thus, giving your car to local car wash. But cleaning and washing the car by yourself isn't that difficult, here are some simple steps that will help you in cleaning your car efficiently.

Procedure for Cleaning your Car
1) Gathering all the materials for washing and cleaning the car
The first step in washing your car is to get prepared with the right washing material. Take a bottle of car washing detergent, and you will need a sponge for washing the body of the car, brush for cleaning the tires, bucket and a water hose with running water.

2) Rinsing
With the help of a water hose, give your car a thorough rinse to get off all the dirt and grim. If you scrub with the sponge without rinsing, you will be just pushing the grime around. You will also require to re-rinse your car before washing each section, especially if it is summer season as warm weather can make your car dry soon.

3) Washing the top of the car
Next step is to rinse and wash the top of the car, the dirt will rinse down from the side of the car windows, thus saving your efforts and time. If you are cleaning the top in the last, then all the dirt will again mess the cleaned body of the car.

4) Washing the front of the car
The next step in washing your car with hand is to clean the car's front. It might be covered by dead bugs and dirt. The cleaning should be done first as it will get the time to dry out while you are washing the rest of the car.

5) Washing the body of the car
Wash and rinse car's each section, repeat this until you clean the entire body. Scrubbing in circles means that you will miss out some spots, so it is advisable to scrub side to side from left to right or right to left.

6) Cleaning the wheels
After washing and rinsing car's body, brush the wheels. Wheels are the dirtiest as they do most of the work, so using a wheel cleaner will be a better option. Further, if you want to make your tires shine, spray your tires with blackener.

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Guidelines to Keep Costs Low When Refinancing Your House

There are certain closing costs by the lenders while refinancing the house. Those are are like escrow, title, insurance, appraisal, lending, and mortgage broker fees and so on. These are all not fixed and vary from lender to lender. If you negotiate, you can get saved some dollars on them.

Finding the low cost refinance: The refinance costs are depends on many factors. Follow these steps to minimize the costs.

• You will need to prove your monthly income and the assets to get a decent low cost refinance. So organize your past three to five year’s brokerage statements, bank statements, pay stubs, and other financial records. Make sure that your credit score is in good standing.

• Ask your current mortgage lender for refinance. You may get a good offer with better interest rate. Shop the mortgage brokers, banks and credit unions and compare for the best offer.

Closing costs how to deal: You can lower the closing costs by negotiating with the lenders for some types of fees.

• The title insurance policy will be taken when buying a home by most of the people. So ask to for a reissue rate or to lower the cost of the policy.
• If you pay the property taxes yourself and a big payment, you can probably lower the cost of escrow as far as it is considered. If you decide to pay your mortgage payment and the property taxes, the escrow account not opens.
• Generally, the mortgage broker’s commission is between one percent to five percent and some will charge up to eight percent. If the broker fees and the closing costs are too high, you can called a yield spread premium (YSP). You need to pay higher interest rate and lender fee, the mortgage broker covers all or majority closing costs.
• Document preparation fees, underwriting, processing, administration, and funding are commonly called as lending fees charged by the lender. Try to negotiate with the lender with these fees to get them lowered or waived.
• The lender will ask for the insurance. The type of insurance and its coverage is based on your living area. You may need to get mud, wind, flood or any other type of insurance coverage. Shop the insurance companies to find the best deal. Sometimes the lender will ask for some years’ worth of insurance in advance, tries to negotiate it for some months.
• Instead of tri-merge (comes from big three credit bureaus) report some lenders will ask for complete residential mortgage credit report. It verified all the items on your credit report as well it is expensive. To verify the actual cost ask for receipt.

You will get Good Faith Estimate (GFE), with this you can learn and question them about different fees. As well, try to close the deal at the month end if possible, because you can save some dollars in form of interest, which is generally collected by the lenders at the end of the month.

Different Types of Mortgage Lenders

It is used to be somewhat easy to put a word to the lender that correctly described them and types of mortgages they originated. In this article we will see different types of mortgage lenders for the real estate transactions.

• Mortgage bankers: A mortgage banker is a lender and enough to originate the loans and create loans pools which they directly sell to jumbo loan investors, Ginnie Mae, Freddie Mac, Fannie Mae, and others. Any company which does this considered to be a mortgage banker. They are very largely in size. Some service loans they originate, but not all of them will. Wholesale lending divisions are having by most of the mortgage bankers.

• Mortgage brokers: Mortgage brokers are the companies which originate loans with a intention of brokering them to the wholesale lending institutions. With these companies brokers have established relationships. Funding and underwriting takes place at wholesale lender. Many brokers also correspondents, because many of them claim to be mortgage bankers.

• Wholesale lenders: Catering to mortgage brokers for loan origination, most portfolio lenders and mortgage bankers also act as wholesale lenders. Some of the wholesale lenders even don't have their own retail branches and relying solely on the mortgage brokers for loans. These wholesale lenders or divisions offer the loans to mortgage brokers at lower prices than their own retail branches offer to public. Then the fee will be added by the mortgage broker. So the loan costs same like obtained from a wholesale lender's retail branch.

• Portfolio lenders: The portfolio lender is an institution that which lends money of its own and originating for itself. These are lending for their own portfolio of loans and so they do not worry about being able to sell immediately on the secondary market. So, for determining credit worthiness they do not have to obey Freddie or Fannie guidelines and can create own guidelines. Generally these institutions are larger banks and loans & savings.

• Direct lenders: If the lenders are fund their own loans, considered as direct lenders. A direct lender can range anywhere from a very tiny one to the biggest lender. Savings & loans and banks obviously have deposits that they can use to fund the loans, but they usually use the warehouse lines of credit that which they draw dollars to fund the loans.

• Correspondents: The correspondents originates and closes home loans with their own name. They sell the loans individually to a larger lender or sponsor instead of selling in pools. The sponsor acts as the mortgage banker, reselling the loan to Freddie Mac, Fannie Mae or Ginnie Mae as part of pool.

Along with these Credit Unions Banks and Savings & Loans also acts as the mortgage lenders. Banks, savings and loans normally operate as mortgage bankers, portfolio lenders, or some combination of both. Credit Unions usually appear to operate as correspondents, although large one could act as a mortgage banker or a portfolio lender.