Recreation Vehicle Insurance – The Basics.

What is a recreation vehicle? Do I need to insure it?

The first questions to answer would be, what is a recreation vehicle and why would you choose to insure it.

A recreation vehicle is one that you would normally use to fun/relaxation. For example if you normally use your car to commute but on week-end drive a motorcycle then the motorcycle is considered to be a recreation vehicle. But on the other hand you use your motorcycle to go to work on hot days then the bike is no longer considered to be a recreation vehicle.

Some of the more common recreation vehicles are:

* Motorcycles

* Boats

* Snowmobiles

* Moto-cross bikes/trail bikes/Quad bikes

* ATV’s (All Terrain Vehicles) sometimes used for trail rides or hunting

* Travel Trailers

* Motorhomes

* Caravans

* Personal Watercraft (jet-skis, Inflatable and so on)

Do you need to get a recreation vehicle insurance?

In almost every case the answer is yes, the most common reason is because most good insurance company will not charge you a premium for using a vehicle from time to time. You are usually not penalised for having a recreation vehicle. In most cases a recreation vehicles is well looked after, and because, by definition, it is only used once in a while, most insurance company will offer some very low quotes.

But the other important reason is because most recreation vehicles are not used as often so the likelihood of something happening increases.

You must accept that you are not as familiar with that vehicle as you are with your everyday one. So the likelihood off an accident increases.

You should always check with your insurance company that your insurance is up to date; it is often easy to assume that a vehicle is covered for, say, 12 months when in fact it is only covered for 6 months.

You must also ensure that you are carefully following the policy, if your recreational vehicle is an RV, (Motor home or Caravan), does your license allow you to drive it?

Is the vehicle itself ‘legal’, (can it legally be used for the purpose you are insuring it for?)

Remember that is almost all cases, breaking the local laws will null and void the insurance policy.



Source by Simon Goodman

Functions of Different Automobile Parts

Automobiles are commonly can be seen in our daily life. With the development of the economy and the improvement of people’s quality of life, more and more people choose to buy cars for their own usage. Therefore, automobile plays a more and more important role in our society.

There is no doubt that automobiles consist of complex subsystems that work together to provide efficient and reliable transportation. Many different parts have different functions and performance. Some of them are quite familiar to us.

Among all the auto parts, engine is the most important. Its right performance leads to the good condition of the automobiles. It can run on wide variety of fuels such as gasoline, diesel fuel, and ethanol and so on. But do you know how does it work? It takes air from the intake tract and fuel from the carburetor or fuel injectors and compresses it inside the cylinder. Then the spark plugs fire, igniting the air/fuel mixture and forcing the piston down in the cylinder, which turns the crankshaft.

In addition to the engine, the drive axle is also a necessary part as to the whole car. It cooperates well with the transmission to achieve the effects. Generally, the drive axle takes the power from the transmission and channels it to the tires, which in turn propel the vehicle. And the transmission can take the power generated by the engine at the crankshaft and relays it to the drive axle. These parts work together to drive cars.

As to the transmission, it can be further divided into manual or automatic models. The former type is one in which the driver selects gears through the use of a shift lever and clutch pedal in the passenger compartment. While the latter one can shift through forward gears by itself, and the driver only needs to select between drive (forward) and reverse. Obviously, it is more convenient when compared to the former one. Thus, the automatic models are more and more popular among people in recent years.

The parts mentioned above are mainly used to push the automobile forward. However, what part do you need if you want to stop it? The answer is the brake system. It uses the power of hydraulic fluid to transfer the force the driver applies to the brake pedal to a clamping force that slows the vehicle. Then the brake pedal is attached to a master cylinder that pumps brake fluid through steel and rubber lines to each wheel. At each wheel, the caliper forces brake pads to clamp down on the rotor, a large steel disc that is attached to the wheel. This causes the vehicle to slow down.



Source by L Lois

Types And Benefits Of Auto Insurance

If you have made plans of buying a vehicle, then you also need to think about insuring it. Basically, and vehicle you are going to buy or own already should have insurance coverage as per the law in the United States and almost every other country in the world. What is vehicle insurance? Auto insurance is a kind of policy or insurance which insures your vehicle, yourself and third parties when your vehicle has been in an accident and caused damages to either another vehicle or to other persons. and provides many facilities also. It has a variety of types and miscellaneous services included so always get the proper knowledge about it before signing any deal as it will be better for you to make the right decision.

Fundamentally auto insurance has three types and they are insurance coverage, physical damage coverage and uninsured motorist coverage. Each one has its own specific role. Let's start with the liability coverage. It is the most ordinary type of auto coverage. According to this strategy, it leans to cover all the physical injuries of the persons involved in the accident and his or her assets' damage expenses which may take place due to the accident. It provides all checks, operating cost, and cost of treatment of that injured person and it also takes care of costs in case of death. It also provides you the financial facility if the injured person files a court case against you.

The second one is physical damage coverage. It is divided into two parts and those are comprehensive and collision. The comprehensive plan will cover the expenses for your vehicle, due to any destruction done by any ordinary event apart from accidents and collision plan covers the damage to your vehicle caused by a collision. In this plan, it does not matter whether you are the injured party or the guilty party. It covers both. But in other cases only the other party is covered. With this type of auto insurance you will benefit a lot.

Uninsured motorist coverage is the third type auto insurance plan. This kind of plan provides not only for you but also for your whole family in case of any harm caused due to an accident. It can be divided into four classes and those are the under-insured motorist property damage, the under-insured motorist coverage, uninsured motorist coverage, uninsured motorist property damage. It can be said that these plans cover the expenses for your vehicle, family, and any damage caused by a person who has no insurance for himself.

Conclusion: Accidents do not come with a notice. So, everyone should insure his or her vehicle with auto insurance because it covers expenses for the vehicle, the driver and any third party involved also.



Source by Clarence Leonard

Hyundai Elantra Tops Best Used Car List

Hyundai redesigned their flagship car, the Elantra in 2001, and again, in 2007. Up to that point, Hyundai barely made any impact on the mported car market. These models were popular with the younger generation who found a way to get into a new car for a price they actually could afford.

As time has gone on and Hyundai has been busy adding new models to their stable, their new car price tag has risen into the mid-priced range. The Elantra, in particular, has made a tremendous impression on the first-time drivers and the new car buyers, alike. The Hyundai Elantra presents a peppy performance and a comfortable, tight ride. Even in the northern climates, the Elantra has shown its versatility on all kinds of road conditions without a single misstep.

The Elantra has been seen in several amenity levels, GL, GLS, LIMITED and GT. These are all generally a four-door sedan compact vehicle with leather interior in the Limited and GT models. The seats are extremely comfortable and boast electric adjustments as you would find in a far more expensive luxury brand.

Hyundai is here to stay and if the public has any say, watch out for even more advancements and fuel efficiency in the future.

Hyundai Elantra is also being found to be an excellent used car purchase and the search for them is growing in popularity. Their safety rating has been on the rise and their crash test scores are being raved about over at the major car report sites. You can find used Hyundai Elantras in your local classfied ads, at the used car dealers (paying premium price), and at local car auction. The best thing about the used car auctions is that you can find your Hyundai Elantra for a fraction of its actually book value.

Remember, used cars end up at public and government car auctions, usually, due to financial repossession. These vehicles are generally late model, low mileage, and still under warranty. Take a moment to learn more about used car auctions and how you could find a Hyundai Elantra for your next vehicle.



Source by Toni Alexander

Advice and Tips on Repairing Your Car’s Upholstery

As an owner of a vintage car that has needed complete restoration, I know the value of do-it-yourself projects. By doing the car repairs or restorations yourself, you can save thousands of dollars. One of the most often needed repairs for vintage cars is the upholstery. Let me give you some easy tips for repairing it yourself. First of all, you should always clean the upholstery before starting any repair projects. Use an upholstery cleaner that is made specifically for the type of upholstery you have and always follow the manufacturers instructions to the letter. I prefer to spot test the cleaner in an out-of-the-way place just to be sure. You will be amazed at what a good cleaning can do for old upholstery! Sometimes it will reveal potential problem areas that you can repair before they become a big problem.

Repairing Leather upholstery tips:

If sewing or recovering the seat is not possible, you could try a leather repair kit that can be found at any automotive store. The kit will come with a plastic substance that you will tint to match as close to your car upholstery color as possible. You’ll have to apply it and then let it dry. I don’t recommend this for large areas. It is usually o.k. for small areas if the color is well matched. Black or White upholstery is the easiest to match.

Repairing Vinyl upholstery tips:

Don’t try using glue to repair your vinyl! It seems like an easy fix, but the adhesive in the glue can actually destroy the foam padding underneath the vinyl. You don’t want to create more problems! Instead, simply cut a patch of excess vinyl found under the seat and use adhesive specifically made for vinyl upholstery to patch it. Again, follow the adhesive manufacturers instructions carefully.

If it is just the piping around the seat that needs repair, use this simple trick: Take a match stick and remove the match. Add some contact cement to one end of the match and work it into the damaged area. Then apply the cement to the other end and work that end of the stick in. Fold it in as you go if necessary. Make sure you let the cement dry completely before using the seat.

Do some research ahead of time and see if this do it yourself project is something you think you can do. You don’t want that vintage muscle car looking awesome on the outside and old as dirt on the inside. With a little work you can get it in top notch shape!



Source by Bruce Hermann