Who is at fault in an accident (most common cases)

From time to time our article with tips to not be guilty of an accident you receive feedback from users asking the opinion on who is at fault in an accident. It is very difficult (or impossible) to respond to all of them, and we do not have complete information. Even insurers often own, seeing all the data and the result of the clash esobre the field, are engaged in endless court proceedings since it is not clear who hit whom.

Considering this, every accident is different, there are some general considerations that do indicate who is to blame in case of a traffic accident in which two vehicles are involved:

Reach back

HOW TO PRODUCE: One of the most common accidents. You brake and the vehicle will reach just behind you in the rear.

GUILTY: He who has damage to the front. Although the vehicles going forward brake suddenly and back will adequate to track down and keep a safe distance, the culprit is always the vehicle going behind and reaches the vehicle ahead (not to keep distance security).

Reverse gear

HOW TO PRODUCE This accident has similar damage to the anterior (the back of a vehicle and may be the front of the other or any other part of this second vehicle).

GUILTY: The vehicle reverses.

Rail invasion

HOW TO PRODUCE: A crash that occurs when two vehicles circulating in parallel, each for its lane and hit.

GUILTY: The vehicle leaves its lane and invades the lane in which circulates the other.

Preference right at an intersection

HOW TO PRODUCE: If you remember when you get your driving license, the vehicle appears to the right at an intersection has the preference, unless there is some sign that it affects, in which case the preference will have the opposite.

GUILTY: The vehicle that misses to the left, unless the vehicle put on the right have a yield, a stop sign or a red light (would preferably exiting the vehicle left at the junction).

Preference signals

HOW TO PRODUCE: The signs are to respect them, is a yield, a stop, a red light or otherwise.

GUILTY: The vehicle that does not respect the signal. Always.

Movement within a roundabout

HOW TO PRODUCE: Due to the proliferation of roundabouts and roundabouts, especially on routes of more than one lane, accidents are becoming more common and usually occur circulating in-law two parallel and one invaded the opposite lane.

GUILTY: Vehicle invading the other lane. When it is not clear who has been the vehicle in the inside lane of the two. That is the rule used by experts of accidents, as it presupposes that has invaded the opposite lane to want to leave.

Parked

HOW TO PRODUCE: Especially in the city and in car parks, it is common to hit a parked car in a maneuver when there is little space left for recording

GUILTY: Whenever the vehicle performs the maneuver leading to the accident. Vehicle parked at best may be fined if you are committing an offense.

Turn

HOW TO PRODUCE: Another typical accidents; two vehicles circulate in parallel and one tour.

CULPABLE: The vehicle turns in all cases.

How to detect insurance fraud

Who has not ever been tempted to "fatten" the party insurance after an accident? Insurers are aware that many drivers attempt to defraud claiming a greater number of both physical and material damage. Just to try to prevent these scams are investing significant resources in research teams devoted exclusively to reduce them. Axa, for example, last year invested 5 million euros in this field and has a team of anti-fraud 28 people.

And it is that insurers are not dumb nor the issue is trivial. These frauds are included in the Penal Code and can lead to imprisonment of between six months and four years in duration, depending on the extent of the deception. Since 75% of frauds are carried out car insurance or motorcycle, it is precisely there where companies focus their efforts to combat.

With the crisis, the scams have been increasing but also the support of society to these scams. Many drivers believe that insurers earn enough money or inflate a little fair share of injuries because after so many years paying no accident "is their right." However, nothing is further from reality, since the more parties receive the most up insurance premiums for customers and, ultimately, end up paying all.

These people are known as the occasional fraudster, that is, who wants to take advantage of a little sinister try to look bigger and thus repair past damage, or a driver that simulates a claim that has never happened. But there are also the usual fraudsters who use their extensive knowledge of the sector to achieve economic benefits in a usual manner.

However, according to Hotline, the profile of the car insurance fraudster is that of a girl under 26 years. In 38.5% of fraud intercepted last year and met this data is that they are the segment of the population that has hit the economic crisis in the last seven years and where a higher rate of unemployment is concentrated. Only car insurers has cost about 780 million euros increased more than 30% in fraud.

However, they still very difficult to detect fraud because of the large number of factors acting in an accident and the lack of major fraudsters car insurance penalties. However, social networks are serving a great help to companies and many people reveal their lies when they publish photographs of party or in the gym when the accident report claim immobility.

The best time to buy car

Everyone matter discounts when making a purchase, especially if it is something not so cheap.

In the case of a car, they all love pay less for a good model! So the key to achieving this is to know what are the chances of the year in which the dealers thrown overboard discounts are.

According to experts, the best times to buy a car are:

- End of year: Especially in December, because they are looking to raise sales and get rid of the latest models of that year.

- The first three months of the year: they're about to get new models year so the discount bonds continue to make way for the new inventory.

- End of month: If sales have been falling, usually the last day of the month some offers usually appear.

- End of quarter or semester: It is to realize the balance corresponding sales, so dealers need to increase the number of sales and use coupon for that.

Now you must look at what is the best time for you: Are you going to receive some extra amount of money that will allow you to complete the catch? Ideally, when the discounts and when you have extra money, match and that purchase.

Items you must have a car to be considered safe

Before you buy your vehicle, we recommend that deals well each part of the process, and one of them is choosing the model that will buy. Although the price is usually the determining factor, so too should the advantages of the car and of course, how safe it is.

Some people go this high, knowing that could cost them their lives. But what makes a car safe? According to Cesvi (delivering the Way Awards), to stand in a car safety must have the following characteristics:

- Dual front airbags

- Brakes with Anti Lock System

- Head restraints in the front and rear side seats

- Seat belts in the front and rear seats

- That your body has a system of programmed deformation (allowing in case of an accident, to absorb the crash energy).

A car that has these characteristics, it does qualify as a safe one, as it will increase the chances that the driver and passengers get out alive from a traffic accident. Some models are classified as safe: New Nissan Versa, All New Mazda3, Ford Escape, among others.

The obligations in the event of a serious car accident

Insurance for cars has become one of the best tools for the protection of the cars and victims of accidents that occur daily in the country's roads.

You must know very well all by minors that are woven around the acquisition of this fundamental document for the owners of vehicles.

Provided that the conditions of the policy are met, the insurance companies will pay the damages and losses caused by covered risks, so it is advisable that you listen carefully to the explanations that of the intermediary (broker or agent) and read carefully the terms of the policy and riders.

It is also required that the person driving the vehicle at the time of the accident is duly authorized by the insured, have current driver's license or pass category and it corresponds to the insured vehicle.

It is also advisable that the sums insured, especially the harbor from liability are sufficiently large, because awareness of the rights of the victims of traffic accident is ever taken. As for the loss of or damage to the vehicles must correspond to the commercial value of these.

Who should intervene

1. total or partial damage of the vehicle

In these cases the intervention of the authorities of transit is necessary and should not allow movement of the vehicles involved, until the respective drawings, avoiding, as far as circumstances permit, traffic disruption and the harm it is prepared to do so cause to the community.

Under no circumstances should admit liability. The insured shall report as soon as possible (within a maximum period of three days) the accident, a spotlight and closer to your insurance company office.

2. Procedures injured or killed

In this case the competent authorities (traffic, road) must:

• Facilitate the transfer of the wounded to the nearest hospital.
• Stop the driver or drivers involved and retain or vehicles who move to drive traffic court and are available to the appropriate official. Your situation may be defined in this instance, depending on the opinion of Medicine
• Legal on the inability of the wounded.
• Forensic Medicine inform about the person or persons who were injured as a result of the accident, so that a coroner's visit and the inability to determine such event. This diligence is usually done the day after the accident.
• Raise the sketch of the accident.

How to save on your car insurance

To learn how to save on your car insurance, you should know that the market for all-risk insurance policies has changed considerably, accommodating specific needs and budgets. He was surprised to find on the websites of insurers offer a variety of benefits and where you only need to evaluate and compare to get the best suited to your personal and financial circumstances. Learning how to save on your car insurance is easy if you know where to look.

Compare different insurance is essential to make the best, you need to identify coverage and details of how it can help a vehicle insurer. For this, there are sites that let you search and compare business proposals from leading insurers of the country.

You will probably see complicated the task of detailing the information clauses, hedging and insurance benefits each has to offer, but this dynamic has changed a lot with these tools; synthesizing this process a few clicks, without leaving your home.

Both coverages and prices for all risk insurance policies, have certain variations and differences between insurers. At this keep in mind that if you are looking to search by yourself, you should take into account certain variables and certain criteria here will teach you to be decided by the most convenient option:

Upon searching the web, you must:

• Define what criteria are most important: economics, coverage or additional benefits.
• Having a broad spectrum of companies, you can be guided contemplating the best insurers in the country

In doing so, it will get a glance of the best prices of insurance companies, as prices can vary, it is best to get the cheapest available on the portals where by a moderate amount, obtained guarantees coverage for that whatever worse.

We must not lose sight of:

• Avoid low insurance coverage but offer many services that will hardly need, as the designated driver, if you usually do not bring your car when out at night.
• Notice penalty clauses may be the point of difference between save on your car insurance, or purchase a useless policy.
• Require coverage that need security in case of disaster.
• Putting priority coverage of partial or total loss by theft.
• Finally, when it comes to saving your vehicle insurance should be set at the network of repair shops that is offered, if they have good response capacity and location and distribution in their city.

Quote from the best companies for the greatest savings possible.

TOP 5: The safest cars in the world

Think of the best cars in the world, brings to mind sophisticated design, driving dynamics, power and reach amazing speeds; however, in a more practical and applied to the reality of a market which last year closed with more than 1.2 billion auto sense, it is expected that manufacturers focus its new developments in areas such as improving security and comfort.

Driver safety is vital not only for car manufacturers, but for users, who according to a report by the Highway Loss Data Institute (HLDI), today feel more comfortable driving a car that uses technology to serve your safety.

The new generation of technologies to prevent accidents, including improvements that slow the car alone when a next obstacle, or directional headlights that turn in the same direction as the steering wheel is detected. These technologies adhere to the regulations of models and protocols such as the IIHST Top Safety Picks (the convention of the safest cars in the world), seeking the reduction of accidents on the roads of America.

Here are models of different brands, we now postulate some of its main features as major advances in safety.

Acura TLX

A luxury car in appearance, with technology whether in terms of visibility; as well as having blind spot monitors, proximity sensors, anti-lock disc brakes, side and knee airbags for the front seats; Acura also incorporates a complex system of rear-view cameras detect objects out of sight of the driver, with incalculable precision.

Mazda3

It comes equipped with antilock disc brakes, stability and traction control, front side airbags and curtain; also it offers a system of blind spot monitoring, Forward Collision Warning, also has rear view camera.

Mazda CX-5

Like his brother Mazda3, has antilock disc brakes, stability control, traction, front side airbags and curtain. It also has a system of blind spot monitoring, lane departure warning, forward collision warning.

Mercedes-Benz LG / Class M 

It has anti-lock brakes, traction and stability control system, front collision warning; side airbags, front, rear, curtain and driver's side knee. It features automatic collision notification, an SOS button to call for help after an incident, and rear view camera.

Volvo S60

This brand new model has antilock disc brakes, stability control and traction control, side curtain airbags and front seat.

It also has technology collision mitigation, a development in which the brand is a pioneer and for the first time in history, it equipped all its vehicles with a warning system output, sensors front and rear parking systems, blind spots and rear view cameras.

There are other car models they have also been awarded the Top Safety Pick. For example: Honda Civic Sedan, Toyota Prius, Ford Fusion, Honda Accord Coupe, Mazda 6, Subaru Outback, Infiniti Q50, Lincoln MKZ, Toyota Highlander, Honda Odyssey, Volvo S80, Volvo XC60, Subaru Forester, Mitsubishi Outlander, Acura MDX.

Why car insurance is an investment, not an expense

Discover why car insurance is an investment and not an expense

All risk insurance also covers damage to third parties, own damages. It is designed to protect the heritage that represents a vehicle against partial or total damage.

An insurance policy is the most efficient to recover part of the assets invested in a vehicle environment. In this sense, there are portals that offer various online services with different protections, identifying and advising on specific needs.

The comprehensive insurance includes:

Total loss, if your vehicle suffers some sort of accident and repair more than 75 percent of the amount by which was assured.

Partial damage and theft, when issuing the certificate Dijin not found, implying that the complete vehicle disappears permanently due to any theft tort.

This insurance is largely taken for vehicles used for the public service, because if you get to present a traffic accident the insurance company canceled the damage caused by the insured to any person.

Additional all risk insurance has various support services such as:

• Provisional replacement vehicle.
• Crane rental specialist.
• Possibility of driving mode chosen.
• Including climate change damage.
• In case of accident, the figures can reach exorbitant prices and SOAT responds only to a maximum sum of 500 minimum wages in the event of death (funeral expenses), disability, temporary disability and medical expenses.

Within the concept of civil responsibility, they are both economic and non-pecuniary damage related to the economic loss due to an accident and moral or psychological damage.

It should be noted that not only must think about the heritage, including in its tranquility and that of his family; therefore, finding a comprehensive insurance for cars rather than an expense is a real investment.

What are the advantages of hiring a car insurance online

As is evident, one of the main advantages of listing and contract through the web is that this methodology avoids buyers insurance policies in principle, the inconvenience of travel to the physical location, so always be less complicated start a search from the comfort of your home.

The website will provide detailed information on the different types of insurance such as vehicle insurance. There you can make comparisons between different offers that are most convenient or will generate greater confidence.

You may have the opportunity to read any number of times each of the characteristics of the type of insurance in which you are interested and also deepen the meaning of certain terminology of technical without making direct questions.

Most online portals have a consultation service and comprehensive advice, support numbers or lists of frequently asked questions; therefore, the solution of specific questions will not be a problem. With these tools at your fingertips and with the simple introduction of the data requested, it is possible to obtain a fully customized insurance plan, with benefits such as:

• Quickly.
• Easy.
• Transparency.
• Objectivity.
• Economic performance.

Another of the most important advantages of an insurance online is that, when dealing in person and from the comfort of his home in the whole process not only saves time, also a considerable amount of money to be overlooked costs and fees arising from hiring a manager.

There are online portals that will provide all facilities to experience the benefits of compare and purchase insurance online, we recommend taking the time to review them and make sure the best investment.

how to get the best car insurance

Locate and evaluate the services you really need

Fortunately in the current insurance market they are increasingly flexible time and include various forms to suit specific needs. The benefits of purchasing an insurance policy is not simply based on quota cuts can also improve conditions and coverages of the contract without affecting costs. There are other elements to consider, which can also help you find the best insurance policy:

Note that many insurers bonuses for good work by driving. Certainly always be a good driver will bring many advantages.

Take advantage of various offers and promotions for new customers. However, pay attention to those that are suspicious.

Beware the payment, it is best to make the semi-annual or annual payments.

Choosing the best insurance company and insurance policy is not an easy task, because not all offer services that fit their needs. Some insurers are in  listings are:

Farmers

Axa

AIG 

Allstate

State Farm

Geico

Liberty Mutual

Safeco

Thanks to technological development, choosing the best insurance policy is much easier today because of the numerous tools of the Internet as search engines, portals and price comparison of policies, among others; and that at the moment are little used due to lack of knowledge or practice.

Take the time to review these tools and make sure not to fail in choosing your policy, we recommend target those most recognized and insurers that offer the best support.

Why should ensure your new car

There are several factors which can generate a traffic accident, whether you are an exemplary driver and knows perfectly traffic rules. Variables such as distracted pedestrians, poor weather conditions, criminals and even other drivers are more than enough reasons to insure your vehicle and step to protect your pocket.

If you just purchased your car, you probably think about protecting that investment. So we bring you several reasons why it is advisable to ensure your new car:

• If you do not have insurance, it is your obligation to pay for repairs and spare parts in case of accident (contemplate the fact pay for repairs on high-end models with estimated costs of 70.ooo dolares).
• In a collision, your car will be transferred to an authorized workshop, with the support and the guarantee of repair and parts to be fitted.
• Compensation in case of theft, accident or complete loss of the vehicle.
• Support and assistance in each process.
• Different types of coverage for each case.
• Protection of their heritage.
• Medical assistance in case of an accident, covering medical expenses and preventing it is you who have to pay to cover them.
• Emergency Towing in case of a disaster inside and outside the city.
• Legal advice and legal defense accident caused by your vehicle.
• Coverage for Liability protecting accident to a third party.

There are online portals that offer you the opportunity to contribute and compare among several insurers, since each has a portfolio of specific services. In this case it is advisable to quote among the most fit their needs.

Note that not only the tranquility of your pocket (and which often seems more an expense and not an investment), also his family is reason enough to purchase insurance for your new car.

5 Keys to calculate the cost of car insurance for over 10 years

Determine how much a car insurance varies depending on the age of the same, as their commercial value (in case of maintenance and availability of spare parts costs) significantly affects the coverage of the policy. It was also calculated according to the service rendered by the vehicle (if private or public service). These are the variables that influence the costs:

The market value of your vehicle. The value which will be assured your vehicle will correspond to the market value of the same, as in case of accident or loss shall be equivalent to the value you get from selling the vehicle at the acquisition date of the policy.

Vehicle information. You will always be requested references physical carriage (year, model line, marks, etc.). It is important to inform the insurer about the original accessories (comes with) the vehicle, but especially those (alarm system, upholstery, sound, mirrors, wheels, paint, etc.) that you have installed.

Information of the insured. Here personal information (economic activity, age, sex, marital status, number and age of children, place of residence, workplace, even the history of their license on the type and number of traffic offenses, the date of his accident Over the past three years, number of previous claims, date of issue of driving license and even indicators theft of your car) .Please mind that insurance companies will always check that the information provided is correct, what also it influences so that the value of the policy varies or that company to refrain from approving a contract.

Features of its former insurance. Insurance companies may offer discounts or additional coverage. You can negotiate the price with a new insurer or current, taking as reference the policy information you have at that time.

Define deductible. Remember that the deductible is the percentage of the total insured which you will be responsible in case of accident.

Do you really need insurance all risk car

Before evaluating if indeed needs a comprehensive insurance for your car, it is important to understand that this is a protection contract that you as owner acquires voluntarily, for an insurance company to cover the risks associated with driving the vehicle, such as damage by third parties, or that you may cause to others.

In Colombia, by law, every owner of a motor must have the compulsory insurance against traffic accidents SOAT, as it is the way in which the government guarantees the protection of individuals (passenger or pedestrian) they are targeted in an accident vial. SOAT covers risks

As usual, the question that many are rendered conductive at some point is it worth to have two safe? The answer becomes clear why having certain benefits and coverage takes to hire a full insurance for car; and evaluating the costs involved about not having it, in case of disaster.

Car insurance is characterized by different types of coverage and benefits to the user. The value naturally differs on the amount and quality of additional services contracted:

Legal coverage

If the contractor found guilty of the accident, the insurer will shelter the property damage, death or injury caused to those involved, once they have been treated using the SOAT.

Does not exclude tort liability when an accident causes injury or death, the driver of the insured vehicle or its close relatives.

Cover materials

Partial loss of the vehicle for serious damage; or total loss of the vehicle irreparable damage.

Total or partial loss of vehicle theft.

It does not cover loss when it comes to an accident caused by wear and tear or lack of maintenance in the mechanical or electrical parts. Nor when incidents like falling avalanches, tunnels, bridges or stones occur.

User Services

Legal assistance.

Loan substitute vehicle.

Transportation expenses.

Conductor chosen.

Travel assistance.

Incidents that not cover all risks insurance for car

Accidents caused by using the vehicle for purposes other than those established at the time of the contract; for example, public transport or carries.

Damage or loss due to climatic phenomena or hostile acts as attacks or riots.

Accidents caused while the car is driven by an unauthorized person the time of the contract.

Accidents on routes where freight or illegal substances.

Damage from overloading or overcrowding of passengers.

With the benefits and guarantees on the table it is easier to make the decision, understanding that the expense involved for many all-risk insurance contract is not such a thing, but an investment that can represent a significant saving differential in case of accident, where you pay a deductible on the total cost of repairing your car or a third party.