Motor Insurance Claim for your Vehicle – A Simple Process

To make a motor insurance claim for vehicles if there is an accident is easy. It is a simple two to three step process to ensure you peace of mind in your hour of need. The first step is to call a customer service centre to register your claim and get a registration number for future reference. Information such as your contact number, policy number, vehicle number, time and date of accident, nature of damage incurred, if there is an injury are recorded.

All motor insurances companies have tie ups with garage networks which offer you cashless facility for servicing your vehicle. A surveyor would be appointed to check the vehicle at the garage and give approval for the repair. The vehicle would be handed back to you post your satisfaction on the repair done. If you choose to repair your vehicle at one of the garages in the network of the motor insurance company, the claim is settled directly at the garage. You might have to just pay for the damage that is not covered under the insurance or which is not related to the accident.

Alternately, you can repair the car at any garage you want to and get back the amount spent as reimbursement. This reimbursement can be obtained only once the repairs are done and your have submitted your bills to the motor insurance company’s claims department.

The motor insurance claim process is smooth and has been kept easy for the convenience of the customer. Your motor insurance policy would cover claims if there is damage to your vehicle due to a natural calamity like fire, flood, earthquake or cyclone. Accidents, riots, strikes or terrorist activities are also covered by a motor insurance claim. Insurance for damage during transit by road, rail, air or inland waterways are provided by the insurance claim process. The next circumstances are of -voluntary excess’ or -deductible’. It is a definite sum of money an insured, which, is you, choose to bear if there is an accident and the rest is insured under the policy.

Motor insurance companies also compensate for injury or death of the driver or owner of a car which is insured, damages caused to a third party during an accident, third party property damaged, etc. Motor insurance policy excludes common damage to the car, mechanical or electrical breakdown, damage incurred outside the country or damage caused at the time of driving under the influence of alcohol. Your claim would not be welcome if the accidental damage to the car and property has happened due to any of the exclusions mentioned by the motor insurance company.


It is very essential to have a car insurance policy. Author Pranav Sharma is an experienced insurance professional and widely read expert on general insurance based in Mumbai. Pranav helps readers opt for best car insurance policy in India.

Buying A Second Hand Car In Zambia

So, you are thinking of buying a second hand / used car in Zambia, but you do not know where to start, what to look out for, and how much you should spend on what. Remember, to find that perfect second hand / used car you need to have patience and some knowledge- it will take effort to source a good second hand car in Zambia and you will need to restrain yourself until you find the right car at the right price.

Never rush into buying a used car in Zambia. This part is where the patience comes in! You need to start with a list of cars you would like and then start finding car sales and used car dealers across Zambia. Make sure to not only look for a used car dealer in the city you will be residing, but also look in other major cities like Lusaka, Ndola and Kitwe- in the end you must be sure that you know exactly what the Zambian car market has to offer.

Now, the question is where will you start looking for a used car in Zambia? If you’ve already checked the major car dealerships, the next step would be to take a look at the local newspapers like the Times of Zambia, Post Newspaper Zambia and the Daily Mail(specifically the classified sections) and surf the Internet for used cars by just going to one of the major search engines and typing in “car sales Zambia”, “used cars Zambia” or “second hand cars Zambia”. You can also contact local auction houses who are selling bank repossessed cars.

Some newspapers or publications we recommend include the Times of Zambia look out for the Post Newspaper Zambia. The Times of Zambia in Lusaka or the, which is also available online, will have plenty of cars to choose from. The Post Newspaper Zambia have a pull out weekly called Sangwapo all have sections where you can look for second hand cars and used car sales.

As the new owner of a used car you should enquire as to the costs for repairs and availability of spare parts. This will all give you an idea as to what the first service will put you back. Foreigners also need to apply for a Traffic register number before being able to register or licence their new car. For this you will need two colour passport size photographs and a copy of your Passport.

Always remember that when you are buying a used car you should read through the sales documentation carefully. In most cases the car is bought or sold without any warranty at all and in the condition as is.

This in effect means that you have to buy the right car. Buying a cheap car that isn’t in a good condition and will break in 3 months just is not worth the time and hassle.

Used Boat Motors – Getting the Right Price

When properly chosen according to your boating needs, used boat motors are very good bargains. However, caution must be exercised as choosing the right secondhand boat motors must be complemented with paying the right prices for them.

# Retail Price of Brand New Motors

Usually, the price of secondhand boat motors in good condition must play in the range between 50-60 percent of the retail price for their brand-new counterparts. Thus, you must do your research so that you have ammunition during price negotiations! At the very least, you have a starting point for comparative purposes.

# Exterior and Interior Condition

Before buying the used boat motors, you should have conducted visual inspections and audio tests that will make damages and deteriorations obvious. From these engine tests, you should be able to secure information on repairs to be done and replacement parts to be purchased. You will then be able to deduct part of the costs from the initial selling price, which is only fair and equitable.

# Depreciation Value

Normal wear and tear must be accounted for when purchasing secondhand boat motors, which in accounting circles is called depreciation value. If the straight-line method of depreciation is used, you can deduct fixed figures from the original purchase cost for every year that the used boat motors have been used until these are sold to you.

For example, if the boat motor was originally purchased for $1,000 and has a life expectancy of 10 years, then the depreciation for each year would be $100. If it was sold to you after two years of original purchase, then you can take the $200 depreciation into account when haggling for the right price.

# Level of Maintenance Care

However, you must also consider that degree with which the original owner exercised proper maintenance. He/she will also ask for a higher price based on the good condition of the used boat motors even after many years have lapsed.

Admittedly, there are many factors to be considered when purchasing second hand boat motors at a price agreeable to both buyer and seller. But with adequate research, satisfactory inspections and good haggling skills, you definitely can!

Visit my blog at for more exclusive guides you should know about used boat motors.

Auto Body Repair San Diego Gives Your Car the Wonder Look

Your old car will not look the same after getting it changed from here with all the desirables you want.

Whether you fancy the old vintage car and have a nag for them or if you just wish to give your car a new look, auto body repair San Diego will give it the best shot. It has been working for one and a half decade and providing desirable and trust worthy services for vehicles of different kind to the people of the area. It has experienced employees looking upon each and every need of the client and to make sure that it is fulfilled.

Highest quality work done

You will get premium quality work done for your car or any other vehicle. If you wish to change the color of your car or if youre previous car color is fading you gets it done from here as they provide the most appropriate color matching. If there is small to big any kind of dent in your car, get it repaired from the experienced labors here. Many customers get their broken windshields or rear view mirror and even the window glass repaired from the company.

Customer satisfaction achieved par excellence

The company is proud to state that it has replaced over one lakh parts of different vehicles and has made thousands of satisfied customers. Many big insurance companies do refer their name to clients when it comes to big car damages.

Added services for customers

The employees at the company realize that it is quite cumbersome to move around with your vehicle at a repair center, so they provide shuttle services to its clients and that too free of cost. If you are in search of a rental car, they will provide you complete assistance as to where you would get the best rental cars. All also if you are in search of getting any guidance on where to get your cars insured, the employees will lend you a helping hand.

Give a call today

For your car repairs give a call today at auto body repair San Diego. You can check more details of the services and the assistance they provide at the web page of the company. There is an online form available there also, which you can fill with any query you might be having and an experienced representative from the company will assist you. This is your one stop shop for all body parts repair and change for your old vehicle into a completely new one.

Author Resource :

Lee Wood is conveying information about auto body San Diego and San Diego body shop. Youre probably thinking, everyone says that, so, whats different here. Its the commitment of quality, genuineness, and a guarantee that values your time and interest.

What are included in Motor Insurance Quotes

The idea of getting Motor Insurance Quotes is to get the lowest premium for the insurance. This can be done by getting quotes from multiple Motor Insurance companies and finally opting for the lowest one. You can also look into what they cover and what suits your requirements and choose the one that suits you best.

Going online

Getting the motor insurance online is easier than you think and is quicker than ever. You will be required to fill in a form which will ask you the details of the car including its value. The forma can also include details about any safety devices installed, where it will be parked, what it is used for, etc. With all these details, you will be given Insurance Quotes which can be automatically generated considering all the information about your car.

What do they cover?

Most of the Motor Insurance Quotes will tell you what they cover and what premium you will have to pay. Once you have your motor insurance, your vehicle will be secure in case of theft, malicious acts, damaged during transport by road, rail, etc. By considering where you live and for the kind of use you put it through, you should choose a suitable policy. The quote will also tell you what kind of bonuses you will be eligible to like the No Claim Bonus, etc.

Covers injury to people

Motor Insurance Quotes will tell you about who are included in the insurance. You can get reimbursement when a fellow passenger is injured during accidents too. If a third party gets hurt during an accident and you are required to pay, you can claim a reimbursement for this too. Motor Insurance Quotes also tell you about the various other claims you can make like towing charges in case of an accident, cashless claims etc. Cashless claims can be done in a certain Garage network across India where you will not be required to pay in cash. You can just give the insurance card and the billing will be taken care of.

What Are Explosion Proof Motors & How Are They Used

Explosion proof motors are specially designed and manufactured versions of standard electric motors which have been produced from extra strong iron and other materials to withstand accidental explosions in the surrounding area. This enables them to be able to operate perfectly normally in hazardous environments where they may be in contact with flammable gases, combustible dusts or fibres.

The build quality of these types of electric motors is second to none using premium grade robust materials to enable them to continue to function in extreme industrial environments. The outer casing has been designed to have a high IP protection as well as being both corrosion and weather proof. With specifications like that they can be used in areas which are not accessible by the plant operations staff without them wearing protective clothing and breathing apparatus. Such areas are common place in chemical processing plants and steel production facilities.

Motor Casing Construction

The extra strength iron which is used in the manufacture of explosion proof motors ensures that they are not damaged by sudden increases or decreases in the environment surrounding them. In addition the strong casing will ensure that if any fault does occur within the motor housing which causes a fire risk that it does not escape into the surrounding area, potentially causing damage to plant machinery or the company’s workforce.

Even the electrical circuitry within the motor is securely insulated with specially designed cooling elements to further protect the motor from explosion from within. Typically this type of motor can continue to function normally in temperatures of minus 20 up to 40 centigrade.

Motor Production Regulations

With all things there are strict regulations which need to be adhered to in order to get explosion proof motors to market. Keeping to regulations and maintaining high standards are particularly important in this industry as the potential for loss of life and property is high. If a motor should malfunction or not be able to withstand an explosion then the implications for plant workers is great. Indeed most manufacturers of these kinds of motor will have a department dedicated to testing and grading explosion proof motors to ensure they pass all necessary standards. Thoroughly insulated electrical components and advanced cooling techniques are employed to provide seamless operation in a wide range of environments. These motors have been meticulously designed to protect themselves from localised explosions and as such are as strong on the outside as they are on the inside.

Order high quality explosion proof motors from Tec Electric Motors, based in Droitwich, Worcestershire, UK.

All About Overunity Magnet Motor

Problems of power crisis are prevalent almost everywhere around the world. To deal with the problem, alternative ways to generate power like use of solar energy and wind turbines are gaining fast popularity. Overunity Magnet motor is another effective alternative to generate power. This method involves use of magnetic power to generate unlimited electricity without using any other power source to generate power.

The magnetic motor power generators don’t occupy much space and they work effectively in all weather conditions. These magnetic motors work efficiently all through the day and it significantly helps you reduce your power bills.

Working of Overunity magnet motor work

The mechanism of overunity magnet motor working is very simple. To understand the working of overunity magnetic motor all you need to know is the very simple universal fact that two opposite ends of the magnet i.e. north end and south end attract each other, while the alike ends repel each other. This mechanism of attraction and repulsion of two magnetic poles create a rotational movement inside the generator and generates electricity, which you can use to run your entire electronic appliance at home.

Today more and more people are getting attracted towards overunity magnet motor and have realized its potential to generate cost effective electricity. Overunity magnet motor is a better alternative to generate electricity than using wind and solar energy. Besides, it is very easy to build and install a magnet motor power generator than a wind generator or solar panels. Many experts are of the opinion that one fully equipped Overunity magnet motor is capable of generating as much energy as six solar panels.

Surely, Overunity magnet motor power generators have a long way to go and are the future of the power industry. It can be used to its fullest potential to fend off the problems of power crisis. It is also an eco-friendly source of power generator and doesn’t involve burning of valuable non-renewable energy resources, thus it can also contribute significantly towards curbing the perils of global warming.

Overunity magnet motor is the best way to generate clean energy. To know more about the various ways to generate clean energy, visit

Luxury Cars And Their Logos

Probably, brands of luxury cars are the oldest ones on the automobile market and, therefore, their logos are highly recognizable. In particular, most of them were designed according the ideas of companies’ founders, which cannot but appeal to strong adherence to old traditions and company portfolio. This article uncovers the material about the most magnificent logos of luxury cars.

1.It is a fact of common knowledge that the most gorgeous cars have originated in Italy. Lamborghini is an obvious example. A design of black and gold emblem was offered by company founder Ferruccio Lamborghini, and a bull in the center refers to his zodiacal sign – Taurus. The related legend tells that Lamborghini shield was allegedly copied from Ferrari, and the color was changed into black and yellow, to prick the ego of Enzo Ferrari. These two brands were permanently engaged in speechless competition.

2.One more Italian producer of luxury cars is Mazerati, founded by three out of six Mazerati brothers – Alfieri, Bindo and Ernesto. The forth one, Maria, dealt with design of corporate logo. The creation process was inspired by a trident of the statue of Neptune, which stood in the central park of Bologna, where the headquarters of the company were established. Maserati trident with related signature under it was painted by the artist Mario; he was also the only one of six Maserati brothers, which has never dealt with design or manufacture of machines.

3.A tragic story influenced a lot on creation of Rolls-Royce logo. The company’s founders, Sir Henry Royce and Charles Stewart Rolls, originally used red letters in the logo, which combines the first letters of their last names. The legend tells that the color changed into black when Sir Henry Royce died in 1933 and black color was implemented to honor his memory. In real, black letters have become a deliberate decision by the two founders – to provide greater prestige and luxury.

4.Cadillac got its name and logo in honor of the nobleman Antoine de la Mothe, seigneur de Cadillac in 1902. Seigneur de Cadillac founded Detroit in 1701, and was a governor of Louisiana State. Although Cadillac brand was registered only in 1906, but its logo was used starting from September 1902. The postwar models of Cadillac showed several newly designed logos, which featured V-shaped icon and a crown. Emblem of 1947 was one of the first post-war logos, which included “V” with a crown.

5.Infinity brand was advertised by one of the US agencies, interested in promotion of the brand worldwide. Americans took the word infinity as a basis. However, one of the workers of this agency convinced everybody that I-letter, used four times, will look a lot more dynamic. In their turn, Japanese people recognized Infiniti logo as a symbol of Mount Fuji, but in fact, this logo means a road going into the distance, to infinity, referring to the limitless possibilities of the prestigious brand.

Electric Vehicle Motors

Youve decided to build your own electric vehicle and now you need to learn about electric vehicle motors.

There are many considerations in choosing which one to install.

What do you need to know to get started?

DC or AC- the choice is yours

How big of a motor do you need?

Detailed plans on how to build an electric car- electric vehicle motors

Do you choose a car or truck?

Lets start with the vehicle you will use. There are some basic considerations you need to remember but mostly vehicle weight and battery capacity are your main concerns.

Basically the lighter the vehicle the farther it will be able to travel between charges. That means installing electric vehicle motors in a small car or truck is your best choice. This must be balanced with total battery capacity too, since the more batteries, the longer your vehicle range will be.

We have chosen small trucks for most of our latest conversions as they are light, strong and have lots of room for batteries making it a good choice for installing electric vehicle motors.

Which motor should you choose?

Most of the large car companies are installing large AC motors in their electric vehicles. AC is light for its power output and they have a powerful charging device that works off of your braking system when the AC motor is slowed down that energy is actually transferred to the batteries.

The two drawbacks to those motors are that they are more difficult to install compared to DC and more expensive.

For that reason we have chosen DC electric vehicle motors for our recent conversions. They are easier to install and cheaper too.

The plans we found also showed us where to find them for free- and deep cycle batteries from the same source too. That really saved us a lot of money.

Since electric vehicle motors will last a very long time, probably through 2 vehicles obtaining used DC motors is a good choice for the conversion. Good recycled motors are all around if you know where to look.

Motors in the 9 to 13 inch range work best and has lots of power.

Choosing the right vehicle and obtaining free parts will definitely keep the cost of the project down too.

The first time you drive by a gas station after you do your conversion you wont be able to stop smiling.

Did you know that gas prices are expected to rise to $7 per gallon next year?

Isnt it time you did your own conversion? Lets get started.

Learn about Electric Vehicle Motors is a great place to start and learn how you can save lots of money on your gas bills for the future and help the environment in the process.

Denver Motorcycle Accident Lawyer-Choose The One That Helps Get Fair Reimbursement

What exactly you need to do? This question can cause major problems for you if you have recently suffered from any personal injury. The problems seem to get puzzled if you have to prepare yourself for filing a personal injury case in order to get the fair compensation for your injuries or loses that you have got in a car accident or motorcycle accident. In such situation, you are advised to avail the services of personal referrals to select the best Denver motorcycle accident lawyer in your nearest area.

Finding the desired attorney is not a big deal today because almost all lawyers try to be familiar with their clients through different kinds of advertising methods such as internet marketing, TV ads, yellow pages, or state bar directories. Remember, these all sources are not able to provide you with a quality Denver motorcycle accident lawyer. Honestly speaking, some injury lawyers are also known as downright predatory. These days, ambulance chasers have become quite popular due to known as a predatory lawyer who is not sanctioned by the Bar. These professionals come under the category of those injury lawyers who generally prefer to use looser civil law in order to sue anytime anyone with an aim to provide the victim with the justifiable compensation. The Colorado Bar puts its great efforts in distinguishing between ambulance chasers and trustworthy Denver injury attorneys.ys.

Quite obviously, you need to make sure that your trustworthy Denver motorcycle accident lawyer has a good network of referrals such as specialists and doctors. Most companies get ready to go with the out of court settlements for such cases. Hence, before finalizing your attorney you can make sure that he is matching your wishes in goals, service and personality. So, the best idea would be to make a list of your needs and wants before you decide on whom to hire.

Author Dextersmart Harry provides free personal injury case evaluations to those who have suffered an injury and feel they have a personal injury claim. He is an expert in providing the information on various skilled and highly experienced personal injury lawyers, To visit for, Denver motorcycle accident lawyer.