Car Repair Loans – Do They Exist?

Car repairs are expensive. While the initial cost of a car might not be that much, bringing that same car to the mechanic can easily empty your bank account. Hundreds of people lose money every day due to a car that doesn’t work properly. If you rely upon your car to get to work, to pick up your children, and to simply get around town, you know how important your vehicle really is. But, what can you do if you just can’t afford to pay for those pricey car repairs?

Have you considered applying for a car repair loan? That’s right – car repair loans do exist. These loans are reserved exclusively for those that cannot pay for car repairs up front. While traditional lenders might provide loans to those with stellar credit, these lenders hardly every approve any kind of loan for those with poor credit. If your credit report isn’t something that you are proud of, you can take solace in knowing that there are private lenders out there that will approve a car repair loan for you – no matter what your credit report might look like.

How does this type of loan work? While customary lenders will base your loan entirely upon your credit history, other private lenders will base a loan only upon your assets. This means that your bad credit report doesn’t matter at all. All you need to have is some form of steady income, a car that’s less than eight years old, car insurance, and a clear car title. Car repair loans through bad credit lenders are the easiest and most efficient way to fix your vehicle. Car owners with no credit, bad credit, and a history of bankruptcy can gain a specific car repair loan. This type of loan is also perfect for truck drivers.

Car repairs might cost a lot, but repairing a large truck is another kind of expense altogether. If your rig needs major alterations, don’t skip another day of work. There are lots of loads out there that you might be missing out on if your truck doesn’t work properly. Still, finding the money to repair a large truck might seem like an impossible feat. If you are stuck in this situation, you should know that car repair loans can apply to you as well – regardless of your credit history.

You’ll also be happy to know that paying back this kind of loan is also easily attainable. Monthly payments will always be well within your budget, and you’ll find those repayment terms easy to follow. Why should your credit report prevent you from getting where you need to go? It shouldn’t. Instead, apply for your car repair loan online right now. Within moments, you should be approved for that loan that you so desperately need. Why put your life on hold due to car repairs? Instead of trying to scrape together the money for those large car or truck repairs, sign up for an Auto Title Loan… and get your life back in motion.

The Art of the "Invisible" Auto Body Repair

There are few good things about needing auto body repairs, nor about the fender benders, collisions, and other unfortunate circumstances that make them necessary. Besides the obvious risk of injury, the lost time chasing repairs and rental cars, and the hassle of having to figure out the insurance claims process, there are also the financial challenges. Even with the best car insurance coverage, you may have to pay a deductible. And, once your vehicle has been in an accident, the risk exists that its value could be significantly reduced. The good news is that the quality of collision damage repair after the accident can make a world of difference.

What is an Invisible Car Repair?

The concept of the “invisible” car repair is simple, although elusive. An invisible repair is one that is done so well, with such high quality materials and workmanship, that even you can’t tell the vehicle was ever damaged. You may think this means simply matching the existing paint color and finish, but it is much more than that. To be truly invisible, the damage must be repaired flawlessly on the outside, but also on the inside. Using today’s technology, many repair shops can match factory paint. But a truly invisible car repair uses high quality, original manufacturer’s replacement parts and complies exactly to the manufacturer’s specifications for your vehicle. Body damage repairs use the best of modern technology and materials, and are performed by trained, experienced service professionals. In other words, everything about the restoration is perfect, and the vehicle both looks and functions just as it did before the accident.

How Do I Find High Quality Collision Repair?

Many collision damage repair shops claim to use high quality materials and deliver flawless results, but how do you know if it’s true? How can you tell which one will make good on the promise of an invisible damage repair job? Start by asking friends, coworkers, or other trusted sources for recommendations. You won’t have a lot of time to figure this out, assuming you need to get your vehicle under repair as quickly as possible, but don’t rush the process too much. Look for a locally owned shop with history in the community. Chain or franchise shops can be qualified too, but a local small business stakes its future survival on its reputation. Ask smart questions about important issues like warranties, and the materials and equipment that will be used on your vehicle. Do they use manufacturer’s parts and specifications and do they have the technology necessary to do the job right? Are the service technicians trained, experienced, and appropriately certified? Will the shop handle your insurance claim for you? Are the customer service staff members helpful, courteous, and professional?

Finally, trust your instincts. You don’t have to know a lot about the auto body industry to know when you’ve found the right shop for your repairs, as long as you know which questions to ask. Don’t hesitate to tell the collision repair technician that you want – and expect – an “invisible” repair. If they don’t understand what you mean, you may not be in the right place!

5 Key Steps To A Successful Autobody Repair

Autobody repair can really be a daunting task and surely requires a great deal of effort to successfully accomplish. This is particularly true if you are not fully aware of the basic information on getting a vehicle repaired. Here is an overview of the basic steps which may make the process easier:

1. Get an Estimate

In order to provide the most precise estimate possible, the collision estimator in most larger autobody shops will enter all the details regarding your repairs into a programmed estimating system. A report will then be generated outlining the amount of repair that your car needs along with the costs involved.

2. Get an Insurance Approval

Once you get a repair estimate from a reputable collision repair shop, an agent from your car insurance company may require to inspect the vehicle and project their own estimate for comparison. In most cases, your local body shop work with the insurance company to ensure the figures on the car repair estimate is in line with the amount from the insurance company as well as the repair procedures to fix the damages.

3. Ordering Parts

Before any car repair work begins and in most cases, before you are asked to bring your damaged car into the autobody shop, all parts are to be ordered to ensure they are available when the actual work begins. This is to guarantee that the repairs are done as quickly and efficiently as possible, having the least amount of inconvenience to you as their customer. Occasionally, there may be the need to place a special order for parts which can then add time to the repair process.

4. Body Repair and Finishing

Depending on the severity and nature of the damage to your car, there may be a need to perform major body repairs. This repair process involves replacing damaged exterior parts and performing any necessary metal painting and finishing.

5. Inspection

When everything in your car has been put back together, a test-drive of your car is necessary in order to perform a quality control system check. This must be done to ensure that everything functions correctly after the repair. Only when you and the technician are both satisfied that the car repair process is successfully completed.

OEM Parts Versus Aftermarket In Car Insurance Repairs

In the event that your car is involved in an accident and has to go in for repairs, you will more often than not find yourself faced with the decision whether to use OEM or aftermarket parts in the repair.

It is important to note that insurance companies recommend the use of aftermarket parts, which are much cheaper. Non-OEM manufacturers say that the difference between OEM parts and aftermarket parts is negligible. The result is that most insurance companies will not reimburse the repair costs when OEM parts are used. Yet where aftermarket parts are utilized, you will get a 100 per cent refund of the costs that you end up incurring. This means that when a policy hold insists on using quality OEM parts they wil only get refunded the difference it would have cost had they used non-OEM parts. This can be a huge sum of money because in many cases OEM auto parts usually cost double what non-OEM or aftermarket parts will cost you.

Manufacturers of OEM parts and other advocates of it claim that after market parts are not subject to the same rigorous crash-testing procedures that OEM parts go through. The implication is that non-OEM parts are not as safe as OEM parts. This is however contradicted by the Insurance institute for Highway Safety (IIHS) who say that repairs with aftermarket parts does not degrade the safety of an automobile in a crash.

However what everybody knows is that the use of aftermarket parts decreases a vehicle’s resale value. This will greatly concern those who plan on reselling or trading in their cars.

You will have to make the final decision on whether or not to use OEM parts for your repair. If it is a high-end vehicle you may be forced to for OEM, even if you have to foot a substantial part of the repair bill, which will not be covered by your car insurance company.

Understanding the Auto Insurance Claims Process

If you own a car, truck, motorcycle or any other vehicle, you know you need related insurance. All is good as long as you pay your monthly premium and do not make a claim.

Then you are involved in an accident. What then?

For many auto insurance policyholders, the auto insurance claim process is very, very complicated. Here, we bring you the basics of understanding with the following oft-repeated questions.

How long does it generally take to process an auto insurance claim?

A: If the insurance company has all the facts, a settlement should be achieved fairly quickly. By providing much of the details involved in the collision, the policyholder him or herself will help get the process off the ground. Any insurance company worth its reputation will do its utmost to process the claim as efficiently as possible.

Why is the estimated cost of repairs less than the actual payment check?

A: This is because the auto policyholder must first pay out-of-pocket for the deductible. Only after this, is the remaining balance given through a check.

What is the reason for the auto lien holder to be placed on the insurance payment check?

A: Many states make this a requirement for the simple reason that the lien holder has an insurable interest in the repair work done on the vehicle. In order for the policyholder to get the funding for the repair, he or she must be in touch with the lien holder.

What is the meaning of Direction of Payment?

A: Most auto repair shops require you to sign a Direction of Payment form so that they have documented evidence that the insurance company has permission to pay them for the repair work they complete.

What is common practice of insurance companies in regard to rental cars during the time the insured car is in the shop for repairs?

A: Most times, an insurance company will supply a rental car if the insured car is inoperable and in for repairs.

What about towing costs?

A: Generally speaking, towing is a covered service provided by the auto insurance company following an accident.

What is the procedure if the insured incurs injury during an auto accident?

A: The policyholder should be in touch with the insurance company if he or she is injured. The claims person will inform the policyholder about the related medical care and treatments that are covered under the policy.

Insurance Claim Supplements – How to Submit Claim Supplements

A claim supplement is a claim for additional repair or replacement costs. Supplements are commonplace in the claims process. However, if you are a policyholder unaware of your policy rights, you could be walking away from hundreds or thousands of dollars that you are entitled to collect.

Claim supplements usually occur after a policyholder submits a claim, gets paid and gets the repairs or replacements completed. Then, additional damage is discovered some time later.

Many people erroneously think that, once the claim is closed, it cannot be re-opened. And, insurance companies and their adjusters usually don’t rush to tell you how to submit a claim supplement. So, what to do? Let’s look at car insurance claims and property insurance claims.

For any kind of supplemental claim, you must contact your insurance company and give them your original claim number. The best way to notify the company is in writing, sent Certified Mail. That way, you’ll know who signed for the letter. The insurer will have to re-open the claim. You might get the same adjuster as before, but maybe not.

Car Insurance Supplemental Claims

Lots of supplements happen when cars are getting repaired. Many times, hidden damages are discovered when the body shop begins dismantling the car. So, while the insurance company may have issued payment to the body shop from the original repair estimate, they will issue a second check for the supplemental repairs. Happens all the time, no big deal.

However, sometimes post-repair problems don’t show up right away. A good example is the Air Conditioning system. If you have a car wreck in July, you might not notice that your heater is malfunctioning until fall or winter. But when any damages are discovered that can be directly related to the original insured loss, you can submit a supplement. Simply document the damages and their cause and send the supplement to the insurance company. No additional deductible is assessed, since you already paid it once.

Property Insurance Supplemental Claims

Homeowners, Renters or Business insurance claims can find a need for a supplemental claim for some of the same reasons found in car insurance claims. Seasonal issues can bring up damages related to the original loss. But, some other issues might present themselves. You may have an expert’s report that shows additional damage attributable to the original loss. Your contractor may have found hidden damage that must be repaired. In any event, carefully document your claim and submit it to the insurance company.

Be sure that you are collecting all the money you are entitled to collect. Use supplemental claims whenever your claim requires it.

If you have experienced a property loss, whether fire, wind, flood or other, you need to know winning insurance claim strategies. The insurance company will not tell you the claims process, but I will. I will show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, go to the website listed below.

Affordable Car Insurance Online

As I open the renewal for my car insurance I am gob smacked at the increase of costs from one year to the next. It seems loyalty to any one company does not pay to stay with just the one provider. In years gone by I would let my fingers do the walking and trawl through the yellow pages ringing provider after provider to get the best possible deal. From this information I would draw up a spreadsheet noting all the benefits I was looking for and other columns on costs and pros and costs.This was a cumbersome and time consuming to be able to then find the best value for money, and believe me in hard times people dig in a little deeper to ensure that their dollars go further.Today though we are all so spoilt, online you have all of the calculators at your fingertips. Here are a few tips that I have found helpful not only for car but for any insurance that I would be sourcing.• I have the registration papers beside me giving me all the car details such as make, model and any other modifications the car has had.
• Check to see if there is a further reward for being a driver that has not claimed and has a good driving record.
• Enquire if there is a discount for seniors (if applicable)
• Look also does the company offer monthly payments – this helps balance a family budget, also is there any larger cost incurred if monthly payments are used
• Will the provider offer discount for paying 12 months insurance
• If your car has thief deterrent gadget fitted can sometimes reduce premiums
• You will be charged more for your car insurance if the area you live in experiences a lot of car stealing or break ins.
• Cars that are garaged rather than parked on the street will pay less for their insuranceWith all the right paperwork in front of me it is simply task to fill in the details quiet simply online and this then allows the computer to do the work for me in minutes what used to take me half a week in research.If you are a young driver with little to no experience you will be paying more in premiums as due to your inexperience insurance companies see you as a risk. Also it is important to note to include the drivers that will be driving the car as you may void your policy if the younger driver is not mentioned on your policy.Whatever you do search online for the best possible deal at the end of the day this will save you many dollars.

Dos And Don’ts Of A Car Pressure Wash System

A car pressure washer, as its name suggests, is used for detailing cars, trucks, and most of the other automobiles. These are pressure wash machines, capable of cleaning automobile exteriors without damaging the surface.These machines wash away dirt and impurities stuck on the surface with high pressure. The efficiency of these machines is never in question. A car pressure washer is capable of removing almost any kind of dirt and impurity present on vehicle surfaces, including dust, grease, and oil residues. The problem is related to the safety of the vehicle.Is using pressure wash systems too dangerous to the automobiles? The answer is no. However, you have to understand the following dos and don’ts about car pressure washer machines for using these machines effectively.Do not use high pressure machinesA pressure wash system’s effectiveness is usually measured by its output pressure. The higher is the pressure level, the greater will be the effectiveness of the machine. This is not true for power washers used for auto detailing though. Here, the power washers should not have a very high pressure.Some of the brands offer specially-made car pressure washer models. It is better to use these models for cleaning vehicles. The output pressure of these machines should not exceed 1500 psi. Power washers are used mainly for cleaning the exterior of vehicles. Using a really high-powered machine would result in the paint damage.Use a low-flow machineFlow rate of a pressure washing machine refers to the quantity of water passed onto the surface. It is denoted by gallons per minute (gpm).It is a more significant specification for auto detailing than for other cleaning tasks. For an auto detailing equipment, the flow rate has to be as low as possible, for two reasons. First, the best pressure washer machines having a low flow rate transfer only low quantities of water onto the surface, leading to fast cleaning.Second, using an auto detailing equipment with a low flow rate would result in the reduction of water wastage.The third benefit pertains to mobile auto detailing. It involves taking the portable car wash machines to the customer’s garage and cleaning the vehicle. If the drainage facilities are poor, using a portable car wash machine with a high flow rate is a big risk.In such cases, it is better to use mobile car wash equipment having a low flow rate. Modern mobile car wash equipment having a flow rates as low as 0.5 gpm are available in the market now.So, the best pressure washer machines for auto detailing have a pressure level of less than 1500 psi and a flow rate as low as possible, preferably less than 2 gpm.Make your purchase decision very carefully. Look into all the important features, check out for the best brand, and then buy the machine. A wrong machine can make the cleaning task quite tedious. For easy, fast, and efficient cleaning, you require a machine that comes with all the above mentioned features.

Automotive Detailing Could Add Years to the Life of Your Car or Truck

Auto detailing is not only designed to immediately improve the appearance of your car, but also to preserve its performance and longevity. Whether you want to spruce up your SUV for a special occasion or you have a show car that needs polishing right before a showcase, professional auto detailers will have the tools and techniques necessary to ensure optimal precision.No matter what the make or model of your car, truck, or SUV, auto detailing is essential for long-lasting aesthetics and performance. You may not even realize it, but driving your car every day could be slowly deteriorating your exterior finish, underbody, windshield, rims, and more. However, your daily commute isn’t just doing damage to the outside of your vehicle–everyday use means the gradual accumulation of dust, dirt, and grime on the inside of your vehicle, as well.While vacuuming out your car or driving it through the car wash is a good way to get rid of most of the visible dirt and gunk, it’s usually not enough to clean out the hard-to-reach nooks and crannies. At the same time, removing window tint, eliminating deep-seated odors, repairing scratches, and performing other miscellaneous jobs usually require specialized tools and products. Unfortunately, average vehicle owners aren’t suited with the powerful equipment necessary for performing a truly thorough job when it comes to deep-cleaning, paint touch-ups, and more. That’s what makes an automotive detailing professional so valuable.If you’re seriously interested in getting your vehicle clean from top to bottom, performing a DIY job will only result in you wasting hours of your precious Saturday afternoon. Without the proper upholstery shampoo, paint sealant, or exterior polish, you will likely wind up with lackluster results at best. An auto detailing expert, however, will have the proper vacuum attachments, glass treatment products, odor eliminators, and more that will get your vehicle looking and smelling its best. Moreover, if you want to give your classic hot rod or showcase vehicle the occasional touch-up, you won’t want to trust just anyone with its delicate finish or limited-edition interior.Hiring a professional automotive detailing company will eliminate the risk of potential harm to your vehicle. Whether you avoid shoddy results from amateurish work or prevent the development of rust on your fender, going with expert auto detailers is an especially prudent choice if you’re in a locale that frequently sees inclement weather or gravelly roads. Protecting the quality of your vehicle is an important part of being a car owner, so it’s vital that you take notice immediately when your car is looking worse for the wear. Being proactive about your car detailing will help you get rid of lingering odors, threatening rust spots, paint scratches, and more, enabling you to preserve the overall quality and condition of your vehicle for a long time to come.