Velvet Wrapped Rolls-Royce Phantom Drophead Coupe

Here’s something you don’t see daily, a velvet wrapped Rolls-Royce Phantom Drophead Coupe spotted by our guy Shmee1500 on YouTube. As he rolls about the back of the auto, the velvet appears to look a bit inexpensive if you ask us, but nonetheless has you wanting to touch it.

You can also wash the velvet without having ruining it, so hopefully it can keep up with mother nature. Verify back for far more distinctive Rolls-Royce tuning projects in the future!

Rolls-Royce Phantom Drophead Coupe Video

[embedded content]

Velvet Wrapped Rolls-Royce Phantom Drophead Coupe

Geneva Rocks: Jeep Debuts Diesel-Powered Wrangler Rocks Star

Wrangler owners all know that they’ll one particular day wake up with the sudden urge to bolt on a couple thousand dollars’ worth of aftermarket parts. And in these precious disorienting seconds, Chrysler wants to them to default to mouthing the word, “Mopar”—hence the mission of this yellow Jeep landing in Geneva.

Beyond its awkward Rocks Star name, this is your basic Wrangler Rubicon softtop with half doors, only with a kickin’ 2.8-liter turbo-diesel 4-cylinder banned from our home turf. The college-bus-yellow color scheme carries over to the steering-wheel spokes, air-vent trim, and passenger grab deal with, whilst the wheels, grille, gas cap, and the rest of the interior go black.

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A light bar/hoop fixed to the bottom of the A-pillars indicates you can not fold down the Rocks Star’s windshield, but in return you will obtain 4 square LED lamps mounted higher and proud of the glass. We know how a lot Wrangler owners hate square lights—witness the anti-square headlamp vitriol slung at the YJ—so that’s a true gamble. A distressed-looking U.S. Army–style star and circle on the hood may make up for the nonround lights, although. While Chrysler is not adding the diesel to Mopar’s U.S. catalog, the rest of the parts should be offered quickly.

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Geneva Rocks: Jeep Debuts Diesel-Powered Wrangler Rocks Star

Velvet Wrapped Rolls-Royce Phantom Drophead Coupe

Here’s some thing you do not see everyday, a velvet wrapped Rolls-Royce Phantom Drophead Coupe spotted by our guy Shmee1500 on YouTube. As he rolls around the back of the vehicle, the velvet seems to look a bit inexpensive if you ask us, but still has you wanting to touch it.

You can also wash the velvet without having ruining it, so hopefully it can preserve up with mother nature. Check back for more unique Rolls-Royce tuning projects in the future!

Rolls-Royce Phantom Drophead Coupe Video

[embedded content]

Velvet Wrapped Rolls-Royce Phantom Drophead Coupe

Life Insurance coverage: Who Requirements It and Who Does not

Disclaimer: We try to preserve data accurate and up to date, even so we can’;t make warranties with regards to the accuracy of our details. Please confirm FDIC Insurance / NCUA Insurance status, credit card information, and interest prices throughout the application method. Please note that NerdWallet has economic relationships with some of the merchants pointed out right here. NerdWallet might be compensated if customers choose to utilize the hyperlinks located throughout the content on this internet site and create sales for the said merchant.

Advertiser Disclosure: Several of the credit card offers that seem on this web site are from businesses from which NerdWallet receives compensation. The results of our “card comparison and finder tool”, card assessments, and reviews are primarily based on objective quantitative and qualitative analysis of card attributes. They are not impacted by compensation. Compensation may impact which cards we assessment and write about and how and where merchandise seem on this site (like, for example, the order in which they appear). Whilst we attempt to feature as several credit cards provides on our internet site as we can maintain (1,700+ and counting!), we recognize that our website does not feature every card organization or card accessible on the market. Furthermore, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation. For a list of all of our advertising partners, click right here.

Life Insurance coverage: Who Requirements It and Who Does not

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

U.S. Senator Richard Blumenthal (D-Conn.) is urging the Department of Justice (DOJ) to investigate a lately aired CNN report’s allegation that auto insurers could be pressuring buyers to repair their cars at the insurers’ preferred repair shops.

“Contrary to what buyers may possibly be led to believe by their insurers, repair shops preferred by insurers do not necessarily equate with top quality repairs,” Blumenthal wrote in a letter sent to U.S. Lawyer Common Eric Holder final Friday.

“It appears to be common expertise among auto repair shops that the ideal way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering consistent, quality service, but by agreeing to charge beneath-market place labor prices and use less expensive, salvaged, utilised, or even counterfeit components of questionable good quality and safety,” Blumenthal wrote.

“Unfortunately, several buyers are also becoming misled into thinking that they are required to have their auto repaired at 1 of these shops,” Blumenthal wrote in the letter. “This has the damaging impact of limiting customer selection, creating a significant safety risk, and suppressing competition in the auto repair industry.”

The following is the full text of Blumenthal’s Feb. 20 letter to Attorney General Holder:

The Honorable Eric Holder

Attorney Basic of the United States

Robert F. Kennedy Constructing

950 Pennsylvania Avenue NW

Washington, DC 20530

Dear Lawyer Basic Holder:

As a longtime advocate of consumer decision, I write to bring to your interest to troubling new evidence that our nation’s leading auto insurers continue to engage in anticompetitive and possibly illegal techniques to stress buyers into repairing their automobiles at insurer-preferred repair shops. As uncovered in a particular investigation featured on Anderson Cooper 360 Wednesday evening, insurance coverage steering not only undermines a standard consumer proper, but can also compromise the safety of automobiles on our nation’s roads—endangering motorists and their passengers.

I urge the Division of Justice (DOJ) to right away investigate such practices by the auto insurance market and act swiftly to protect the security of buyers and preserve competitors in the auto repair business.

As junk yard, remanufactured, and utilised parts of substandard quality turn into increasingly widely available, auto insurers are adopting alarming new ways to save funds at the expense of customer security. Contrary to what shoppers might be led to believe by their insurers, repair shops preferred by insurers do not necessarily equate with top quality repairs. It appears to be typical understanding amongst auto repair shops that the very best way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering consistent, top quality service, but by agreeing to charge beneath-market place labor prices and use more affordable, salvaged, employed, or even counterfeit components of questionable high quality and security. Unfortunately, a lot of consumers are also getting misled into pondering that they are required to have their automobile repaired at a single of these shops. This has the damaging impact of limiting consumer choice, producing a serious security threat, and suppressing competition in the auto repair industry.

According to a 1963 consent decree with the DOJ, a number of insurers had been ordered to quit: “sponsoring any appraiser directing, advising or otherwise suggesting any person or firm do organization with any independent or dealer-franchised automotive repair shop working out handle more than the activities of any appraiser and fixing or otherwise controlling the rates charged by automotive repair shops for the repair of damage to the vehicle or for labor in connection therewith, by use of a flat rate.” More than 50 years have since passed, and consumers and auto repairers possibly stay victims of the extremely identical misconduct insurers had been directed to stop undertaking decades ago.

I urge the DOJ to investigate and make a determination as to whether or not such practices violate the 1963 consent order or any other present federal laws. As you investigate this matter, I urge you to use your authority to investigate the contents of contracts among insurance coverage businesses and facilities listed in their direct repair programs or preferred lists. I would also like to request an update regarding DOJ’s understanding of the existing signatories of the 1963 consent decree and whether or not they continue to be bound by the consent decree in light of enterprise transactions in the years since the decree was signed.

Thank you in advance for your prompt interest to this essential matter harming buyers and the auto repair business, and compromising car safety.

Sincerely,

RICHARD BLUMENTHAL

United States Senator

 
Associated Articles:

• West Virginia Judge Dismisses Parts Suit Against Body Shop, Liberty Mutual


• Oklahoma AG Warns Against ‘Steering’ to Repair Shops by Insurers


• Louisiana AG Files Suit Against State Farm Over Auto Repair Practices


• Indiana Body Shops Sue Insurers over Compensation for Automobile Repairs

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

3 Border police members arrested for corruption and assisting in smuggling of stolen vehicles across border

3 police members attached to the Pafuri Port of Entrance appeared in court on Thursday after they were arrested on a charge of corruption.

The members were arrested following intensive investigations after information was received that they are assisting suspects in smuggling stolen motor vehicles across the border in return for payment.

They were arrested early Thursday morning and appeared in the Makhado Magistrates’ Court on a charge of corruption in the afternoon. Warrant Officer Mukondeleli Mutele (45) and Constable Vogani Percy Baloyi (30) were released on R15 000 bail and Constable Mamaye Cynthia Masete (32) received R3 000 bail. The case was remanded to 27 March for further investigation.

The processes to suspend them from the South African Police Service are already in process.

The Provincial Commissioner of the South African Police Service in the province, Lt Gen Fannie Masemola stressed that there will be no mercy for members of the SAPS who are arrested for their involvement in criminal activities. “We will work tirelessly to rid the Service of members who involve themselves in corruption and criminal activities. There is no place for members who work with criminals in the SAPS,” he reiterated.

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3 Border police members arrested for corruption and assisting in smuggling of stolen vehicles across border

three methods to use your overall health insurance

Private health insurance coverage can occasionally be a grudge acquire – one thing we have to spend for but would rather not use. If you require to have it although, how can you greatest use it? Following all, you may possibly as well get as a lot value out of your well being insurance coverage as you can!

According to winner of CANSTAR’s national outstanding value wellness insurance award, HCF, there are 3 crucial areas that people need to have to think about when buying private overall health insurance coverage. These are:

Recognize the operational value.

According to HCF, it’s crucial for individuals to recognize the operational values of the brand of wellness insurance they’re purchasing their health insurance from. “As HCF is a not-for-profit company it functions for the sole benefit of all its members,” says Danny Saksida, Chief Marketing and Sales Officer, HCF.

“Our concentrate is functioning to make certain members get properly if they’ve had elective surgery, and keeping nicely each and every day. Programs such as My Health Guardian – our online overall health and wellbeing service, support give members a guide to maintaining their health and are offered no extra expense, it’s simply element of your HCF membership.

“In addition, our “More For” programs help members preserve the expense of everyday well being care reduced. For instance our Much more for teeth Far more for eyes and More for muscles applications enable members to get 100% back on dental, optical, physiotherapy treatments at over 12,000 providers nationally, subject to members annual limits. These incorporate dental checkups, scale and clean X-rays optical – chosen glasses Physio – initial consultations, which can typically be the most expensive in a course of physiotherapy remedy.”

Keep match for life

Are positive aspects per policy or per individual?

HCF also encourages buyers to realize if the policy they have, or are considering acquiring, has rewards primarily based on per individual or per policy – it can make a massive distinction to the amount of expense you may be capable to claim!

“At HCF we make sure folks are treated equally across a membership, so each particular person on that membership policy has an individual advantage set as opposed to getting grouped below a single policy limit,” explains Mr Saksida. “For instance, in HCF’s Family members Spending budget Cover package each individual has extras positive aspects of $ 2,000 per annum, with the inclusion of orthodontics. This ensures outstanding value as it has a spending budget cost but not spending budget rewards. Members don’t shed out. A household of 5 would have $ 10,000 in annual extras advantages obtainable to them to use for their each day healthcare requirements.”

 The top 10 wellness insurance extras claims

Consider about your personal wellness insurance demands.

People do need to think about their well being insurance coverage demands, current and future, and successfully match their well being wants to their cover taking pre-current conditions into account is also vital when deciding on a overall health insurance policy. “People need to consider about not only right now, but also tomorrow, either singularly or as a household unit that grows and modifications over time,” encourages Mr Saksida. “This will aid you be covered for attainable, but unforeseen overall health events such as knee restructures or cardiac episodes. Every year folks need to evaluation and evaluate their well being insurance to guarantee it is nevertheless relevant to them, just as you would do with your auto or property and contents insurances.”

 Choosing wellness insurance: How to get started 

Readers can download CANSTAR’s 2014 Wellness Insurance coverage Star Ratings report right here. And compare private overall health insurance policies here.

three methods to use your overall health insurance

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

U.S. Senator Richard Blumenthal (D-Conn.) is urging the Department of Justice (DOJ) to investigate a lately aired CNN report’s allegation that auto insurers might be pressuring shoppers to repair their vehicles at the insurers’ preferred repair shops.

“Contrary to what customers may be led to believe by their insurers, repair shops preferred by insurers do not necessarily equate with top quality repairs,” Blumenthal wrote in a letter sent to U.S. Attorney Basic Eric Holder final Friday.

“It appears to be widespread understanding amongst auto repair shops that the best way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering consistent, quality service, but by agreeing to charge below-marketplace labor rates and use more affordable, salvaged, utilized, or even counterfeit parts of questionable quality and security,” Blumenthal wrote.

“Unfortunately, a lot of buyers are also becoming misled into pondering that they are needed to have their auto repaired at one of these shops,” Blumenthal wrote in the letter. “This has the harmful effect of limiting consumer choice, generating a serious safety danger, and suppressing competitors in the auto repair industry.”

The following is the complete text of Blumenthal’s Feb. 20 letter to Lawyer Basic Holder:

The Honorable Eric Holder

Attorney Common of the United States

Robert F. Kennedy Building

950 Pennsylvania Avenue NW

Washington, DC 20530

Dear Lawyer Basic Holder:

As a longtime advocate of consumer choice, I write to bring to your interest to troubling new evidence that our nation’s prime auto insurers continue to engage in anticompetitive and possibly illegal tactics to stress shoppers into repairing their autos at insurer-preferred repair shops. As uncovered in a unique investigation featured on Anderson Cooper 360 Wednesday evening, insurance steering not only undermines a basic customer appropriate, but can also compromise the safety of autos on our nation’s roads—endangering motorists and their passengers.

I urge the Department of Justice (DOJ) to quickly investigate such practices by the auto insurance coverage industry and act swiftly to shield the safety of shoppers and preserve competition in the auto repair industry.

As junk yard, remanufactured, and used parts of substandard top quality become increasingly extensively obtainable, auto insurers are adopting alarming new approaches to save cash at the expense of consumer security. Contrary to what shoppers may possibly be led to think by their insurers, repair shops preferred by insurers do not necessarily equate with high quality repairs. It seems to be frequent expertise among auto repair shops that the very best way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering constant, high quality service, but by agreeing to charge below-marketplace labor prices and use less costly, salvaged, used, or even counterfeit components of questionable quality and safety. Regrettably, several shoppers are also being misled into considering that they are essential to have their auto repaired at one particular of these shops. This has the harmful effect of limiting consumer option, producing a severe security threat, and suppressing competitors in the auto repair business.

According to a 1963 consent decree with the DOJ, a number of insurers were ordered to quit: “sponsoring any appraiser directing, advising or otherwise suggesting any individual or firm do organization with any independent or dealer-franchised automotive repair shop working out control more than the activities of any appraiser and fixing or otherwise controlling the prices charged by automotive repair shops for the repair of harm to the automobile or for labor in connection therewith, by use of a flat rate.” Over 50 years have given that passed, and consumers and auto repairers possibly remain victims of the very identical misconduct insurers were directed to quit undertaking decades ago.

I urge the DOJ to investigate and make a determination as to regardless of whether such practices violate the 1963 consent order or any other current federal laws. As you investigate this matter, I urge you to use your authority to investigate the contents of contracts among insurance companies and facilities listed in their direct repair applications or preferred lists. I would also like to request an update with regards to DOJ’s understanding of the present signatories of the 1963 consent decree and whether they continue to be bound by the consent decree in light of enterprise transactions in the years considering that the decree was signed.

Thank you in advance for your prompt interest to this critical matter harming consumers and the auto repair industry, and compromising automobile safety.

Sincerely,

RICHARD BLUMENTHAL

United States Senator

 
Related Articles:

• West Virginia Judge Dismisses Components Suit Against Body Shop, Liberty Mutual


• Oklahoma AG Warns Against ‘Steering’ to Repair Shops by Insurers


• Louisiana AG Files Suit Against State Farm More than Auto Repair Practices


• Indiana Physique Shops Sue Insurers over Compensation for Automobile Repairs

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

The Week in Trucks












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The Week in Trucks

When NOT to Acquire Cheap Auto Insurance On the internet

by Anna Helhoski on February 27, 2015 | posted in Car Insurance

No single answer functions for absolutely everyone when it comes to auto insurance coverage. That’s true for policies, and for approaches of getting a policy. If you’re looking for low-cost auto insurance on-line, take a minute to think about the limitations. There are occasions when it is just greater to speak to an insurance agent rather than shop on-line.

You want to get a discount for bundling

You could not be able to bundle your insurance policies if you buy auto insurance online. Receiving your auto coverage and your homeowner’s or renter’s insurance from the exact same firm often leads to a discount. On-line quoting is typically focused solely on selling you an auto policy. You are better off speaking with an independent agent to examine quotes from several companies for bundling your policies.

You’re insuring a classic vehicle

Classic cars often need specialized insurance to make positive they’re appropriately covered. Also, several classic automobiles sit in a garage most of the year, which indicates you should be able to save some cash. Talk to a organization that specializes in insurance for classic vehicles.

You’re not comfortable on the internet

To get a very good deal online, you will need to devote time searching, comparing quotes, filling out types and click, click, clicking. If the online search procedure sounds like a frustrating nightmare, then place down the mouse and walk away. A neighborhood independent agent can give face-to-face support.

You are unsure how considerably coverage you need to have

On the web car insurance coverage quoting is fantastic for drivers who know specifically what they want or who are comfortable undertaking their personal analysis. If you need customized aid, you are greater off with an agent.

You want to know much more about discounts

Agents can aid you pinpoint the vehicle insurance discounts you are eligible for now, as properly as those you may well be able to get in the future — for example, a discount for taking a defensive driving class, or reduce rates if your commute gets shorter.

If you do have to file an insurance coverage claim, possessing an agent you currently know can make the method smoother and much less stressful. An agent can explain the claims approach to you and inform you regardless of whether your claim will lead to a price boost.

Anna Helhoski is a employees writer covering private finance for NerdWallet. Follow her on Twitter and on Google+.

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Image via iStock

When NOT to Acquire Cheap Auto Insurance On the internet

Velvet Wrapped Rolls-Royce Phantom Drophead Coupe

Here’s some thing you do not see each day, a velvet wrapped Rolls-Royce Phantom Drophead Coupe spotted by our guy Shmee1500 on YouTube. As he rolls around the back of the vehicle, the velvet seems to look a bit low cost if you ask us, but nonetheless has you wanting to touch it.

You can also wash the velvet with out ruining it, so hopefully it can maintain up with mother nature. Check back for far more unique Rolls-Royce tuning projects in the future!

Rolls-Royce Phantom Drophead Coupe Video

[embedded content]

Velvet Wrapped Rolls-Royce Phantom Drophead Coupe

Velvet Wrapped Rolls-Royce Phantom Drophead Coupe

Here’s something you don’t see daily, a velvet wrapped Rolls-Royce Phantom Drophead Coupe spotted by our guy Shmee1500 on YouTube. As he rolls around the back of the vehicle, the velvet seems to appear a bit inexpensive if you ask us, but nevertheless has you wanting to touch it.

You can also wash the velvet with out ruining it, so hopefully it can hold up with mother nature. Verify back for a lot more unique Rolls-Royce tuning projects in the future!

Rolls-Royce Phantom Drophead Coupe Video

[embedded content material]

Velvet Wrapped Rolls-Royce Phantom Drophead Coupe

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

U.S. Senator Richard Blumenthal (D-Conn.) is urging the Department of Justice (DOJ) to investigate a not too long ago aired CNN report’s allegation that auto insurers might be pressuring customers to repair their cars at the insurers’ preferred repair shops.

“Contrary to what buyers may be led to believe by their insurers, repair shops preferred by insurers do not necessarily equate with good quality repairs,” Blumenthal wrote in a letter sent to U.S. Attorney General Eric Holder last Friday.

“It appears to be typical knowledge among auto repair shops that the greatest way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering constant, good quality service, but by agreeing to charge beneath-market labor prices and use more affordable, salvaged, utilized, or even counterfeit components of questionable top quality and security,” Blumenthal wrote.

“Unfortunately, many consumers are also becoming misled into pondering that they are essential to have their auto repaired at one particular of these shops,” Blumenthal wrote in the letter. “This has the dangerous impact of limiting customer option, creating a significant security risk, and suppressing competitors in the auto repair business.”

The following is the complete text of Blumenthal’s Feb. 20 letter to Attorney Basic Holder:

The Honorable Eric Holder

Lawyer General of the United States

Robert F. Kennedy Creating

950 Pennsylvania Avenue NW

Washington, DC 20530

Dear Attorney Common Holder:

As a longtime advocate of consumer selection, I create to bring to your interest to troubling new proof that our nation’s prime auto insurers continue to engage in anticompetitive and possibly illegal tactics to pressure customers into repairing their automobiles at insurer-preferred repair shops. As uncovered in a special investigation featured on Anderson Cooper 360 Wednesday evening, insurance steering not only undermines a fundamental customer appropriate, but can also compromise the security of vehicles on our nation’s roads—endangering motorists and their passengers.

I urge the Department of Justice (DOJ) to quickly investigate such practices by the auto insurance sector and act swiftly to protect the safety of customers and preserve competition in the auto repair business.

As junk yard, remanufactured, and used parts of substandard high quality turn out to be increasingly widely available, auto insurers are adopting alarming new ways to save money at the expense of customer security. Contrary to what consumers could be led to think by their insurers, repair shops preferred by insurers do not necessarily equate with high quality repairs. It seems to be widespread expertise amongst auto repair shops that the very best way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering constant, good quality service, but by agreeing to charge below-market place labor rates and use cheaper, salvaged, utilised, or even counterfeit parts of questionable quality and safety. Unfortunately, a lot of consumers are also getting misled into pondering that they are necessary to have their vehicle repaired at one particular of these shops. This has the damaging impact of limiting consumer option, producing a severe safety danger, and suppressing competition in the auto repair market.

According to a 1963 consent decree with the DOJ, a quantity of insurers had been ordered to stop: “sponsoring any appraiser directing, advising or otherwise suggesting any person or firm do business with any independent or dealer-franchised automotive repair shop exercising handle more than the activities of any appraiser and fixing or otherwise controlling the prices charged by automotive repair shops for the repair of harm to the car or for labor in connection therewith, by use of a flat rate.” Over 50 years have given that passed, and shoppers and auto repairers possibly stay victims of the very exact same misconduct insurers were directed to quit performing decades ago.

I urge the DOJ to investigate and make a determination as to no matter whether such practices violate the 1963 consent order or any other current federal laws. As you investigate this matter, I urge you to use your authority to investigate the contents of contracts in between insurance coverage companies and facilities listed in their direct repair programs or preferred lists. I would also like to request an update concerning DOJ’s understanding of the existing signatories of the 1963 consent decree and regardless of whether they continue to be bound by the consent decree in light of business transactions in the years considering that the decree was signed.

Thank you in advance for your prompt focus to this essential matter harming shoppers and the auto repair industry, and compromising automobile security.

Sincerely,

RICHARD BLUMENTHAL

United States Senator

 
Connected Articles:

• West Virginia Judge Dismisses Parts Suit Against Physique Shop, Liberty Mutual


• Oklahoma AG Warns Against ‘Steering’ to Repair Shops by Insurers


• Louisiana AG Files Suit Against State Farm More than Auto Repair Practices


• Indiana Body Shops Sue Insurers more than Compensation for Automobile Repairs

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

U.S. Senator Richard Blumenthal (D-Conn.) is urging the Department of Justice (DOJ) to investigate a recently aired CNN report’s allegation that auto insurers could be pressuring customers to repair their automobiles at the insurers’ preferred repair shops.

“Contrary to what consumers might be led to believe by their insurers, repair shops preferred by insurers do not necessarily equate with quality repairs,” Blumenthal wrote in a letter sent to U.S. Lawyer Common Eric Holder last Friday.

“It appears to be frequent knowledge amongst auto repair shops that the best way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering consistent, good quality service, but by agreeing to charge under-marketplace labor rates and use less costly, salvaged, utilized, or even counterfeit components of questionable quality and safety,” Blumenthal wrote.

“Unfortunately, many buyers are also becoming misled into thinking that they are necessary to have their car repaired at one particular of these shops,” Blumenthal wrote in the letter. “This has the damaging impact of limiting consumer choice, generating a serious safety threat, and suppressing competition in the auto repair business.”

The following is the full text of Blumenthal’s Feb. 20 letter to Attorney General Holder:

The Honorable Eric Holder

Attorney Basic of the United States

Robert F. Kennedy Constructing

950 Pennsylvania Avenue NW

Washington, DC 20530

Dear Lawyer General Holder:

As a longtime advocate of consumer option, I create to bring to your consideration to troubling new evidence that our nation’s prime auto insurers continue to engage in anticompetitive and possibly illegal tactics to pressure consumers into repairing their automobiles at insurer-preferred repair shops. As uncovered in a specific investigation featured on Anderson Cooper 360 Wednesday evening, insurance steering not only undermines a simple customer correct, but can also compromise the safety of cars on our nation’s roads—endangering motorists and their passengers.

I urge the Department of Justice (DOJ) to right away investigate such practices by the auto insurance coverage sector and act swiftly to protect the security of consumers and preserve competition in the auto repair market.

As junk yard, remanufactured, and utilized parts of substandard high quality become increasingly widely available, auto insurers are adopting alarming new ways to save funds at the expense of customer safety. Contrary to what buyers may be led to think by their insurers, repair shops preferred by insurers do not necessarily equate with quality repairs. It seems to be frequent knowledge among auto repair shops that the very best way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering consistent, top quality service, but by agreeing to charge under-market labor prices and use less expensive, salvaged, employed, or even counterfeit components of questionable top quality and safety. Regrettably, numerous customers are also getting misled into thinking that they are essential to have their automobile repaired at one of these shops. This has the damaging impact of limiting consumer selection, generating a serious security danger, and suppressing competitors in the auto repair market.

According to a 1963 consent decree with the DOJ, a number of insurers had been ordered to stop: “sponsoring any appraiser directing, advising or otherwise suggesting any particular person or firm do organization with any independent or dealer-franchised automotive repair shop working out handle more than the activities of any appraiser and fixing or otherwise controlling the prices charged by automotive repair shops for the repair of damage to the automobile or for labor in connection therewith, by use of a flat rate.” Over 50 years have since passed, and customers and auto repairers possibly remain victims of the very identical misconduct insurers have been directed to cease performing decades ago.

I urge the DOJ to investigate and make a determination as to whether such practices violate the 1963 consent order or any other existing federal laws. As you investigate this matter, I urge you to use your authority to investigate the contents of contracts between insurance coverage firms and facilities listed in their direct repair programs or preferred lists. I would also like to request an update with regards to DOJ’s understanding of the existing signatories of the 1963 consent decree and whether they continue to be bound by the consent decree in light of company transactions in the years since the decree was signed.

Thank you in advance for your prompt focus to this important matter harming customers and the auto repair sector, and compromising car safety.

Sincerely,

RICHARD BLUMENTHAL

United States Senator

 
Connected Articles:

• West Virginia Judge Dismisses Components Suit Against Physique Shop, Liberty Mutual


• Oklahoma AG Warns Against ‘Steering’ to Repair Shops by Insurers


• Louisiana AG Files Suit Against State Farm More than Auto Repair Practices


• Indiana Physique Shops Sue Insurers more than Compensation for Automobile Repairs

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

How to Shop for Term Life Insurance coverage

You want life insurance to offer for your loved ones if you die unexpectedly, but buying for the best policy can be challenging.

For most men and women, the cost-effective selection is term life insurance coverage, which pays out a death advantage to your designated beneficiaries if you die inside the term of your policy agreement. These policies are generally less costly and less difficult to get approved for than whole life or universal life insurance coverage policies, which build up cash value.

Term life insurance coverage policies have no money value but offer you a fixed death benefit and usually fixed premiums for the length of the term. Term life is sold in increments — usually 10, 20 or 30 years. You can obtain term life insurance coverage in a range of ways: straight from an insurance coverage firm, via an agent or on the internet.

Making use of an agent

Some agents only sell policies from particular businesses, so if you limit your choice to their suggestions, you might finish up missing out on a much better selection. You need to overview several quotes from different insurers to make confident you are acquiring the greatest deal. Don’t ever stick with an agent who pressures you to acquire a particular item if you do not think it’ll operate for you.

If you have an independent agent, make confident they give you quotes from several businesses. You’ll want to locate an agent who’ll take the time to aid you realize what sort of policy you’re buying and answer any queries you have.

Insurance agents have to be licensed by the state they do enterprise in, so check your state’s division of insurance coverage site to make certain your agent is reputable.

Shopping online

You can uncover some of the greatest bargains on term life insurance by buying on the internet. Gather quotes from numerous organizations, but don’t give out sensitive data, such as your Social Security quantity. Reliable companies need to have only anonymous data to offer you with a quote.

Purchasing straight from a organization

Although some carriers offer you only life insurance policies, larger insurers supply multiple policies. Many organizations offer multi-policy discounts if you combine life insurance with your auto or residence insurance coverage.

Before you make a decision which company you’d like to go with, make sure they demonstrate monetary strength. To study insurers, use resources such as the A.M. Best’s Consumer Insurance Center, or related tools from Moody’s or Common & Poor’s.

Applying and purchasing

When comparing insurers, offer thorough, updated info — specifically about your overall health — to get the most precise premium estimates. The rule of thumb for life insurance is: The younger and healthier you are, the lower your premium. When you apply for a life insurance coverage policy, you will have to consist of detailed individual data and might have to get a health-related exam ahead of getting a final price.

As soon as you get a quote, make confident the term life insurance coverage policy will match your requirements, and determine if you can afford the premiums. When it’s time to purchase, you ought to only buy as considerably life insurance coverage as your spouse, children or other dependents might require as ongoing revenue. Keep in mind to overview your life insurance coverage policy each few years in case your demands adjust.

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Image via iStock.

How to Shop for Term Life Insurance coverage

Is your Automobile being Spied On?

We’ve all heard of “Big Brother” yet most individuals do not consider that we live in a society where we are monitored by cameras every hour of the day. Nonetheless, it has lately been revealed by The Everyday Mail that there is a whopping twenty distinct sorts of cameras utilised to spy on motorists each and every and every single day right here in the UK. Every of these cameras has a diverse purpose, such as checking that cars have valid MOTs or road tax, even so some are employed to concern motorists thousands of fines per year.

According to the author of the article, Guy Walters, £284million is collected by speed cameras each year in the UK. Other news sources have claimed that even more “stealth” speed cameras are going to be installed across the nation, which has led to concerns that the government could use them as cash cows. Earlier this month the Highways Agency published the final results of a consultation into this strategy, exactly where the Sheffield Chamber of Commerce said that the cameras should “not be a revenue-raising tool, nor be seen as such”.

Ed King, President of the AA, also commented on the problem, and mentioned: “I lately drove up the M1 from Luton to Milton Keynes and noticed that there have been far much more of these cameras than I had believed. There have been dozens of them. The be concerned is that there was always a particular quantity of leeway offered on speed limits so that drivers didn’t have to invest all their time hunting at the speedo. They should be concentrating on the road ahead.

“You are also receiving folks braking when they spot these poles. It can really appear more dangerous than when you have smooth flowing traffic. Motorways are our safest roads, are we going over the prime when actually we ought to be concentrating on where the majority of accidents occur which is in fact on rural roads and lower speed roads.”

Even so, the Highways Agency defended the introduction of these new cameras, with a spokesperson saying: “Variable speed limits on wise motorways are created to smooth site visitors flow, enhance journey occasions and lessen congestion for millions of motorists while at the identical time preserving safety. The vast majority of motorists are sticking to the speed limits. There are clear indicators where cameras are in spot and the new cameras are much more visible than the prior versions.”

The Highways Agency also responded to the Sheffield Chamber of Commerce’s concern with a statement which stated: “Camera based enforcement provides a safer alternative to stopping drivers on the hard shoulder for this kind of offence. Discussions are continuing on the precise details of enforcement with safety camera partnerships. The levels of compliance will be monitored closely during the initial operation of the scheme so that suitable measures can be taken if required.”

Even though the whole point of speed cameras is to preserve motorists safe, there is an argument that they could be utilised to make the government funds. This is why there are strict rules around where and how speed cameras can be placed – even so if you want to stay safe the best thing to do is make positive you stick to the speed limit at all occasions!

Photo by David Bleasdale / CC BY 2.

The post Is your Car being Spied On? appeared very first on 1st Insurance coverage Blog.

Is your Automobile being Spied On?

Al-Icky Thump: Rolls-Royce’s Al-Adiyat Automobiles Aren’t Mere Wagons to Mexico

Expat Michigander Jack White is a man all about the colour schemes. A handful of years ago, he explained to Guitar Player, “Sometimes, I want anything to preserve myself centered. Getting every little thing in the White Stripes be red, white, and black centers me, and keeps me on that a single path. Copper centered me on the Raconteurs.” He’s also been identified to rock a western fringe like no one considering that Nudie Cohn passed on to the excellent shirtwaist factory in the sky. Seemingly inspired by White’s aesthetic verve, Rolls-Royce has announced a run of 9 Al-Adiyat automobiles.

Regardless of the Arabic name, the run of 9 Wraiths and 1 Phantom Coupé seems much more like a British take on the vehicles that Cohn constructed for stars like Buck Owens and Roy Rogers. Much more restrained than Cohn’s 6-gun-and-silver-dollar-bedazzled Pontiacs and Cads, the fleet of Rollers nonetheless packs a lot more than a whiff of 1960s Technicolor Nashville. In truth, if we learned something for the duration of a recent trip to the UAE, vehicle tastes and selections in the Gulf are maybe a lot more related to our personal than anywhere this side of Canada. They’ve even got questionably customized Mitsubishi Galants, just like Bakersfield.

According to Rolls, “ ‘Al-Adiyat’ is the noise produced by a powerful horse when its hooves strike stone.” And horsey bits are indeed everywhere. If they’re not extreme, they’re at least prominent. The front headrests feature embroidered equines, the sill plates and clock are emblazoned with gold-plated horseshoes, whilst other small details suggest numerous things of tack. We would not be the tiniest bit surprised if some enterprising sheikh commissioned an opulent Conestoga wagon to tow behind his. Enterprising sheikhs, if you are reading this, please commission opulent Conestoga wagons to tow behind your Wraiths. It could be the hype new thing for this year’s National Day.

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Though the Al-Adiyats function all the mod cons and then some, there’s one feature we doubt Rolls-Royce has believed to contain. If the Goodwood crew has ginned up horns that blare the opening trumpet line from “Conquest,” we’ll eat our 10-gallon hats. And our twelve-gallon ghutrahs.

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Al-Icky Thump: Rolls-Royce’s Al-Adiyat Automobiles Aren’t Mere Wagons to Mexico

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

U.S. Senator Richard Blumenthal (D-Conn.) is urging the Department of Justice (DOJ) to investigate a recently aired CNN report’s allegation that auto insurers may possibly be pressuring customers to repair their autos at the insurers’ preferred repair shops.

“Contrary to what buyers might be led to think by their insurers, repair shops preferred by insurers do not necessarily equate with high quality repairs,” Blumenthal wrote in a letter sent to U.S. Lawyer Common Eric Holder final Friday.

“It seems to be frequent information amongst auto repair shops that the very best way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering consistent, quality service, but by agreeing to charge under-marketplace labor prices and use cheaper, salvaged, utilised, or even counterfeit parts of questionable top quality and security,” Blumenthal wrote.

“Unfortunately, several buyers are also becoming misled into considering that they are essential to have their auto repaired at a single of these shops,” Blumenthal wrote in the letter. “This has the dangerous impact of limiting customer choice, producing a serious security threat, and suppressing competitors in the auto repair business.”

The following is the full text of Blumenthal’s Feb. 20 letter to Lawyer Basic Holder:

The Honorable Eric Holder

Attorney Basic of the United States

Robert F. Kennedy Constructing

950 Pennsylvania Avenue NW

Washington, DC 20530

Dear Lawyer Common Holder:

As a longtime advocate of consumer choice, I create to bring to your attention to troubling new proof that our nation’s leading auto insurers continue to engage in anticompetitive and possibly illegal techniques to pressure buyers into repairing their autos at insurer-preferred repair shops. As uncovered in a particular investigation featured on Anderson Cooper 360 Wednesday evening, insurance steering not only undermines a fundamental customer proper, but can also compromise the safety of automobiles on our nation’s roads—endangering motorists and their passengers.

I urge the Division of Justice (DOJ) to immediately investigate such practices by the auto insurance coverage market and act swiftly to shield the safety of customers and preserve competitors in the auto repair industry.

As junk yard, remanufactured, and used parts of substandard top quality turn out to be increasingly widely available, auto insurers are adopting alarming new ways to save funds at the expense of customer safety. Contrary to what shoppers might be led to believe by their insurers, repair shops preferred by insurers do not necessarily equate with high quality repairs. It seems to be widespread knowledge amongst auto repair shops that the best way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering consistent, high quality service, but by agreeing to charge below-market place labor rates and use less expensive, salvaged, used, or even counterfeit parts of questionable top quality and security. Regrettably, a lot of consumers are also getting misled into considering that they are necessary to have their vehicle repaired at a single of these shops. This has the damaging effect of limiting consumer choice, creating a significant safety threat, and suppressing competitors in the auto repair business.

According to a 1963 consent decree with the DOJ, a number of insurers were ordered to cease: “sponsoring any appraiser directing, advising or otherwise suggesting any particular person or firm do business with any independent or dealer-franchised automotive repair shop working out control over the activities of any appraiser and fixing or otherwise controlling the rates charged by automotive repair shops for the repair of damage to the vehicle or for labor in connection therewith, by use of a flat price.” Over 50 years have since passed, and buyers and auto repairers possibly stay victims of the very identical misconduct insurers were directed to stop performing decades ago.

I urge the DOJ to investigate and make a determination as to whether such practices violate the 1963 consent order or any other present federal laws. As you investigate this matter, I urge you to use your authority to investigate the contents of contracts amongst insurance coverage companies and facilities listed in their direct repair applications or preferred lists. I would also like to request an update regarding DOJ’s understanding of the current signatories of the 1963 consent decree and regardless of whether they continue to be bound by the consent decree in light of enterprise transactions in the years given that the decree was signed.

Thank you in advance for your prompt consideration to this critical matter harming consumers and the auto repair business, and compromising car security.

Sincerely,

RICHARD BLUMENTHAL

United States Senator

 
Connected Articles:

• West Virginia Judge Dismisses Components Suit Against Body Shop, Liberty Mutual


• Oklahoma AG Warns Against ‘Steering’ to Repair Shops by Insurers


• Louisiana AG Files Suit Against State Farm More than Auto Repair Practices


• Indiana Physique Shops Sue Insurers over Compensation for Vehicle Repairs

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

Can I drive a commercial truck with link trailer if only back trailer has a load and front piece (trailer) is empty?

Question:

Can I drive a commercial truck with link trailer if only back trailer has a load and front piece (trailer) is empty?

Answer:

You may as long as the total load on the vehicle does not exceed 5 x the mass of the driving axle/s of the vehicle. Reg 239(3) requires that the drive axle must weigh 1/5 of the total load. If the load on the rear trailer is the only mass on the vehicle there is a very good chance that you are going to be overloaded due to a drive axle under load.

Hope you understand the explanation.

Alta Swanepoel & Associates

Can I drive a commercial truck with link trailer if only back trailer has a load and front piece (trailer) is empty?

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

U.S. Senator Richard Blumenthal (D-Conn.) is urging the Department of Justice (DOJ) to investigate a not too long ago aired CNN report’s allegation that auto insurers may be pressuring customers to repair their cars at the insurers’ preferred repair shops.

“Contrary to what customers may possibly be led to believe by their insurers, repair shops preferred by insurers do not necessarily equate with good quality repairs,” Blumenthal wrote in a letter sent to U.S. Lawyer General Eric Holder last Friday.

“It appears to be typical knowledge among auto repair shops that the ideal way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering consistent, top quality service, but by agreeing to charge beneath-market place labor prices and use more affordable, salvaged, utilized, or even counterfeit components of questionable good quality and safety,” Blumenthal wrote.

“Unfortunately, several shoppers are also getting misled into thinking that they are needed to have their auto repaired at a single of these shops,” Blumenthal wrote in the letter. “This has the dangerous impact of limiting customer option, producing a critical safety threat, and suppressing competition in the auto repair business.”

The following is the full text of Blumenthal’s Feb. 20 letter to Attorney General Holder:

The Honorable Eric Holder

Attorney Basic of the United States

Robert F. Kennedy Developing

950 Pennsylvania Avenue NW

Washington, DC 20530

Dear Attorney Common Holder:

As a longtime advocate of customer selection, I create to bring to your consideration to troubling new proof that our nation’s prime auto insurers continue to engage in anticompetitive and possibly illegal tactics to stress shoppers into repairing their automobiles at insurer-preferred repair shops. As uncovered in a unique investigation featured on Anderson Cooper 360 Wednesday evening, insurance steering not only undermines a simple consumer appropriate, but can also compromise the safety of cars on our nation’s roads—endangering motorists and their passengers.

I urge the Division of Justice (DOJ) to quickly investigate such practices by the auto insurance coverage market and act swiftly to shield the safety of customers and preserve competition in the auto repair industry.

As junk yard, remanufactured, and employed components of substandard high quality turn into increasingly widely obtainable, auto insurers are adopting alarming new techniques to save funds at the expense of consumer safety. Contrary to what buyers might be led to think by their insurers, repair shops preferred by insurers do not necessarily equate with high quality repairs. It appears to be frequent knowledge among auto repair shops that the greatest way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering constant, high quality service, but by agreeing to charge under-market labor prices and use more affordable, salvaged, employed, or even counterfeit components of questionable high quality and safety. Unfortunately, a lot of consumers are also getting misled into pondering that they are needed to have their car repaired at one of these shops. This has the harmful effect of limiting customer option, generating a serious safety threat, and suppressing competition in the auto repair industry.

According to a 1963 consent decree with the DOJ, a number of insurers have been ordered to quit: “sponsoring any appraiser directing, advising or otherwise suggesting any particular person or firm do company with any independent or dealer-franchised automotive repair shop working out manage over the activities of any appraiser and fixing or otherwise controlling the rates charged by automotive repair shops for the repair of harm to the car or for labor in connection therewith, by use of a flat rate.” More than 50 years have because passed, and buyers and auto repairers possibly remain victims of the really exact same misconduct insurers were directed to quit undertaking decades ago.

I urge the DOJ to investigate and make a determination as to regardless of whether such practices violate the 1963 consent order or any other present federal laws. As you investigate this matter, I urge you to use your authority to investigate the contents of contracts in between insurance organizations and facilities listed in their direct repair applications or preferred lists. I would also like to request an update relating to DOJ’s understanding of the existing signatories of the 1963 consent decree and whether they continue to be bound by the consent decree in light of business transactions in the years because the decree was signed.

Thank you in advance for your prompt focus to this critical matter harming buyers and the auto repair business, and compromising vehicle safety.

Sincerely,

RICHARD BLUMENTHAL

United States Senator

 
Connected Articles:

• West Virginia Judge Dismisses Components Suit Against Physique Shop, Liberty Mutual


• Oklahoma AG Warns Against ‘Steering’ to Repair Shops by Insurers


• Louisiana AG Files Suit Against State Farm Over Auto Repair Practices


• Indiana Body Shops Sue Insurers over Compensation for Car Repairs

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

Is your Vehicle becoming Spied On?

We’ve all heard of “Big Brother” but most people do not believe that we reside in a society exactly where we are monitored by cameras every single hour of the day. Nevertheless, it has lately been revealed by The Day-to-day Mail that there is a whopping twenty different types of cameras utilized to spy on motorists each and every and every single day here in the UK. Every single of these cameras has a diverse purpose, such as checking that automobiles have valid MOTs or road tax, nevertheless some are employed to issue motorists thousands of fines per year.

According to the author of the write-up, Guy Walters, £284million is collected by speed cameras every year in the UK. Other news sources have claimed that even much more “stealth” speed cameras are going to be installed across the nation, which has led to concerns that the government could use them as money cows. Earlier this month the Highways Agency published the results of a consultation into this strategy, exactly where the Sheffield Chamber of Commerce mentioned that the cameras ought to “not be a income-raising tool, nor be noticed as such”.

Ed King, President of the AA, also commented on the issue, and stated: “I lately drove up the M1 from Luton to Milton Keynes and noticed that there have been far far more of these cameras than I had thought. There had been dozens of them. The worry is that there was often a certain amount of leeway provided on speed limits so that drivers didn’t have to invest all their time hunting at the speedo. They must be concentrating on the road ahead.

“You are also acquiring individuals braking when they spot these poles. It can actually appear more hazardous than when you have smooth flowing visitors. Motorways are our safest roads, are we going over the leading when genuinely we must be concentrating on where the majority of accidents happen which is in fact on rural roads and reduce speed roads.”

Nonetheless, the Highways Agency defended the introduction of these new cameras, with a spokesperson saying: “Variable speed limits on wise motorways are created to smooth visitors flow, increase journey occasions and reduce congestion for millions of motorists while at the exact same time maintaining security. The vast majority of motorists are sticking to the speed limits. There are clear indicators exactly where cameras are in location and the new cameras are far more visible than the previous versions.”

The Highways Agency also responded to the Sheffield Chamber of Commerce’s concern with a statement which stated: “Camera primarily based enforcement supplies a safer alternative to stopping drivers on the hard shoulder for this variety of offence. Discussions are continuing on the precise details of enforcement with security camera partnerships. The levels of compliance will be monitored closely throughout the initial operation of the scheme so that acceptable measures can be taken if required.”

Even though the entire point of speed cameras is to hold motorists secure, there is an argument that they could be utilised to make the government money. This is why there are strict guidelines about exactly where and how speed cameras can be placed – however if you want to keep protected the greatest thing to do is make sure you stick to the speed limit at all instances!

Photo by David Bleasdale / CC BY 2.

The post Is your Vehicle getting Spied On? appeared very first on Initial Insurance coverage Weblog.

Is your Vehicle becoming Spied On?

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

U.S. Senator Richard Blumenthal (D-Conn.) is urging the Division of Justice (DOJ) to investigate a lately aired CNN report’s allegation that auto insurers might be pressuring consumers to repair their autos at the insurers’ preferred repair shops.

“Contrary to what customers might be led to think by their insurers, repair shops preferred by insurers do not necessarily equate with quality repairs,” Blumenthal wrote in a letter sent to U.S. Attorney General Eric Holder final Friday.

“It seems to be typical information among auto repair shops that the best way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering constant, high quality service, but by agreeing to charge under-market labor rates and use less costly, salvaged, employed, or even counterfeit parts of questionable high quality and security,” Blumenthal wrote.

“Unfortunately, several buyers are also getting misled into considering that they are required to have their auto repaired at 1 of these shops,” Blumenthal wrote in the letter. “This has the damaging impact of limiting customer selection, generating a critical safety threat, and suppressing competitors in the auto repair business.”

The following is the complete text of Blumenthal’s Feb. 20 letter to Attorney Basic Holder:

The Honorable Eric Holder

Attorney Basic of the United States

Robert F. Kennedy Developing

950 Pennsylvania Avenue NW

Washington, DC 20530

Dear Lawyer General Holder:

As a longtime advocate of consumer choice, I write to bring to your interest to troubling new evidence that our nation’s leading auto insurers continue to engage in anticompetitive and possibly illegal tactics to pressure buyers into repairing their cars at insurer-preferred repair shops. As uncovered in a specific investigation featured on Anderson Cooper 360 Wednesday evening, insurance steering not only undermines a basic customer correct, but can also compromise the security of vehicles on our nation’s roads—endangering motorists and their passengers.

I urge the Division of Justice (DOJ) to instantly investigate such practices by the auto insurance market and act swiftly to defend the security of buyers and preserve competitors in the auto repair market.

As junk yard, remanufactured, and used components of substandard high quality become increasingly broadly accessible, auto insurers are adopting alarming new techniques to save cash at the expense of customer security. Contrary to what customers might be led to believe by their insurers, repair shops preferred by insurers do not necessarily equate with high quality repairs. It appears to be frequent expertise among auto repair shops that the best way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering consistent, good quality service, but by agreeing to charge beneath-marketplace labor rates and use cheaper, salvaged, utilised, or even counterfeit parts of questionable good quality and security. Unfortunately, many consumers are also getting misled into thinking that they are required to have their vehicle repaired at one of these shops. This has the damaging impact of limiting consumer choice, creating a significant security danger, and suppressing competition in the auto repair industry.

According to a 1963 consent decree with the DOJ, a number of insurers have been ordered to stop: “sponsoring any appraiser directing, advising or otherwise suggesting any individual or firm do enterprise with any independent or dealer-franchised automotive repair shop working out control over the activities of any appraiser and fixing or otherwise controlling the costs charged by automotive repair shops for the repair of harm to the automobile or for labor in connection therewith, by use of a flat rate.” Over 50 years have given that passed, and customers and auto repairers possibly stay victims of the really identical misconduct insurers have been directed to cease undertaking decades ago.

I urge the DOJ to investigate and make a determination as to whether or not such practices violate the 1963 consent order or any other existing federal laws. As you investigate this matter, I urge you to use your authority to investigate the contents of contracts amongst insurance coverage organizations and facilities listed in their direct repair programs or preferred lists. I would also like to request an update with regards to DOJ’s understanding of the current signatories of the 1963 consent decree and whether or not they continue to be bound by the consent decree in light of organization transactions in the years since the decree was signed.

Thank you in advance for your prompt interest to this crucial matter harming buyers and the auto repair industry, and compromising car security.

Sincerely,

RICHARD BLUMENTHAL

United States Senator

 
Associated Articles:

• West Virginia Judge Dismisses Components Suit Against Body Shop, Liberty Mutual


• Oklahoma AG Warns Against ‘Steering’ to Repair Shops by Insurers


• Louisiana AG Files Suit Against State Farm More than Auto Repair Practices


• Indiana Body Shops Sue Insurers more than Compensation for Vehicle Repairs

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

2016 Aston Martin Vulcan Debuts: 24 Examples, 800+hp, Track-Only

Official Photos and Information

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It has nothing at all to do with Star Trek, but this track-oriented hypercar is certainly fascinating.

Let’s start off with the name of Aston’s new megapowered track star initial. It almost surely has you considering of Mr. Spock, or possibly—if you’re also sad to be noticed in public—another more obscure Star Trek character, like T’Pau. But Aston Martin’s Britishness implies the Vulcan name is far more probably a reference to the astonishingly loud Cold War bombers.

Regardless of its namesake, the Vulcan is set to be the most intense not-fairly-roadgoing Aston Martin however, a restricted-edition, track-only hypercar that is clearly aimed at the same bit of the marketplace as the Ferrari FXX K and the McLaren P1 GTR. You know, the bit exactly where the billionaire adrenaline junkies hang out. Only 24 Vulcans will be produced, and purchasers will also get, according to the official release, “the chance to precisely tailor their track-day experience through a graduating scale of detailed energy and dynamic efficiency adjustments.”

Energy comes from a version of the company’s familiar V-12 engine that is been developed with help from Aston Martin Racing. It displaces 7. liters and produces “800-plus” horsepower. For reference, the Aston One-77, which was hardly ever accused of being a slouch, managed 750 horsepower from 7.3 liters.

The rest of the Vulcan’s specifications are similarly unobtanium-grade. It is constructed about a carbon-fiber monocoque and has carbon bodywork. The engine is connected to a magnesium torque tube and a carbon-fiber driveshaft that channels power to a racing-spec Xtrac 6-speed sequential gearbox. Braking is accomplished by Brembo racing calipers gripping carbon-ceramic discs at all 4 corners (15. inches in diameter at the front, 14.2 at the rear), and the auto sits on Michelin racing tires. The Vulcan apparently has been built to FIA safety requirements, and the chassis also has a racing-style pushrod-operated suspension, adjustable spool-valve dampers all about, and adjustable anti-roll bars. It also gets driver-adjustable anti-lock brakes and traction manage.

There’s no mention of any roadgoing or complete-bore competition variants, even though the design and style undoubtedly appears as if it could spawn a street-legal version. Aston insiders have previously indicated that style cues from these “special” models are probably to be noticed in the company’s a lot more-inexpensive models in the medium-term. Colour and trim alternatives seem to be fully negotiable, with Aston’s bespoke “Q” division charged with creating positive every single consumer gets exactly what they want, presumably up to and which includes “Blood of My Enemies” pain2rk or Chihuahua-hide trim.

The official release is noticeably silent on the matter of money. This signifies, we presume, that the Vulcan will be sold at a substantial discount to Aston’s other models on account of the fact that you will not be in a position to drive it anyplace except on a racetrack. What sounds fair? $ 80,000? $ 60,000?

We kid, of course. The lack of price is practically certainly explained by that old line about your want to know becoming inversely proportionate to your potential to afford. Do not be at all surprised if the Vulcan ends up costing a lot more than even the One-77 did, which commanded just shy of $ 2 million.

Owners will get the opportunity to have a range of tuition possibilities to aid them get the very best out of the automobile, up to and like time in Aston’s GT racers and expert motorsports simulators. Thereafter the organization is planning “a series of exclusive track-day events . . . that will offer the opportunity for these buyers to discover their driving capabilities, and the car’s overall performance prospective, on some of the world’s most well-known and glamorous race circuits.” Or, in quick, fairly considerably the very same deal provided to buyers of the FXX K and the P1 GTR.

Let’s just hope that some freak triple-booking incident sees all 3 makers bringing their vehicles to the identical track at the same time.

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2016 Aston Martin Vulcan Debuts: 24 Examples, 800+hp, Track-Only

How to Shop for Term Life Insurance

You want life insurance to provide for your loved ones if you die unexpectedly, but buying for the ideal policy can be hard.

For most people, the cost-effective option is term life insurance coverage, which pays out a death benefit to your designated beneficiaries if you die within the term of your policy agreement. These policies are usually less costly and easier to get approved for than whole life or universal life insurance coverage policies, which develop up money value.

Term life insurance policies have no money worth but offer you a fixed death benefit and usually fixed premiums for the length of the term. Term life is sold in increments — normally 10, 20 or 30 years. You can purchase term life insurance in a assortment of techniques: directly from an insurance company, by means of an agent or on-line.

Utilizing an agent

Some agents only sell policies from particular companies, so if you limit your selection to their recommendations, you might end up missing out on a better choice. You ought to overview a number of quotes from various insurers to make positive you are acquiring the greatest deal. Don’t ever stick with an agent who pressures you to get a particular item if you don’t consider it’ll work for you.

If you have an independent agent, make sure they give you quotes from multiple organizations. You’ll want to discover an agent who’ll take the time to help you recognize what sort of policy you’re purchasing and answer any concerns you have.

Insurance agents need to be licensed by the state they do business in, so check your state’s department of insurance site to make certain your agent is genuine.

Shopping on the internet

You can locate some of the greatest offers on term life insurance by shopping on the internet. Collect quotes from a number of businesses, but don’t give out sensitive data, such as your Social Safety number. Reliable companies need only anonymous data to provide you with a quote.

Getting straight from a firm

Although some carriers provide only life insurance policies, larger insurers offer a number of policies. A lot of firms offer multi-policy discounts if you combine life insurance coverage with your auto or home insurance.

Just before you decide which business you’d like to go with, make confident they demonstrate monetary strength. To research insurers, use resources such as the A.M. Best’s Customer Insurance coverage Center, or equivalent tools from Moody’s or Normal & Poor’s.

Applying and getting

When comparing insurers, provide thorough, updated info — particularly about your health — to get the most accurate premium estimates. The rule of thumb for life insurance is: The younger and healthier you are, the reduced your premium. When you apply for a life insurance coverage policy, you’ll have to consist of detailed personal information and may have to get a healthcare exam ahead of receiving a final value.

When you get a quote, make sure the term life insurance policy will fit your demands, and figure out if you can afford the premiums. When it’s time to purchase, you ought to only buy as considerably life insurance coverage as your spouse, children or other dependents may well require as ongoing earnings. Keep in mind to overview your life insurance policy every single handful of years in case your needs alter.

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Image by way of iStock.

How to Shop for Term Life Insurance

Conn. Senator Urges DOJ to Investigate Auto Insurers’ ‘Preferred’ Repair Shops

U.S. Senator Richard Blumenthal (D-Conn.) is urging the Division of Justice (DOJ) to investigate a recently aired CNN report’s allegation that auto insurers might be pressuring buyers to repair their vehicles at the insurers’ preferred repair shops.

“Contrary to what buyers may possibly be led to believe by their insurers, repair shops preferred by insurers do not necessarily equate with quality repairs,” Blumenthal wrote in a letter sent to U.S. Attorney General Eric Holder last Friday.

“It appears to be frequent information among auto repair shops that the ideal way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering constant, quality service, but by agreeing to charge beneath-market labor prices and use more affordable, salvaged, employed, or even counterfeit parts of questionable high quality and safety,” Blumenthal wrote.

“Unfortunately, several customers are also getting misled into considering that they are required to have their automobile repaired at one of these shops,” Blumenthal wrote in the letter. “This has the harmful effect of limiting customer option, producing a critical security risk, and suppressing competitors in the auto repair business.”

The following is the complete text of Blumenthal’s Feb. 20 letter to Lawyer General Holder:

The Honorable Eric Holder

Attorney Common of the United States

Robert F. Kennedy Developing

950 Pennsylvania Avenue NW

Washington, DC 20530

Dear Attorney Common Holder:

As a longtime advocate of customer option, I create to bring to your consideration to troubling new proof that our nation’s leading auto insurers continue to engage in anticompetitive and possibly illegal tactics to pressure shoppers into repairing their cars at insurer-preferred repair shops. As uncovered in a special investigation featured on Anderson Cooper 360 Wednesday evening, insurance steering not only undermines a standard consumer appropriate, but can also compromise the security of cars on our nation’s roads—endangering motorists and their passengers.

I urge the Division of Justice (DOJ) to quickly investigate such practices by the auto insurance coverage market and act swiftly to protect the security of consumers and preserve competitors in the auto repair sector.

As junk yard, remanufactured, and utilized components of substandard good quality turn out to be increasingly broadly offered, auto insurers are adopting alarming new approaches to save money at the expense of consumer safety. Contrary to what consumers could be led to believe by their insurers, repair shops preferred by insurers do not necessarily equate with top quality repairs. It seems to be common expertise amongst auto repair shops that the ideal way to land a coveted spot on an insurer’s preferred list is not necessarily by delivering consistent, top quality service, but by agreeing to charge beneath-market labor rates and use less costly, salvaged, utilised, or even counterfeit components of questionable quality and security. However, a lot of shoppers are also getting misled into pondering that they are required to have their car repaired at one of these shops. This has the dangerous impact of limiting customer selection, creating a severe security danger, and suppressing competitors in the auto repair market.

According to a 1963 consent decree with the DOJ, a quantity of insurers had been ordered to quit: “sponsoring any appraiser directing, advising or otherwise suggesting any person or firm do business with any independent or dealer-franchised automotive repair shop working out handle over the activities of any appraiser and fixing or otherwise controlling the prices charged by automotive repair shops for the repair of damage to the automobile or for labor in connection therewith, by use of a flat rate.” More than 50 years have because passed, and buyers and auto repairers possibly remain victims of the quite exact same misconduct insurers have been directed to stop carrying out decades ago.

I urge the DOJ to investigate and make a determination as to regardless of whether such practices violate the 1963 consent order or any other present federal laws. As you investigate this matter, I urge you to use your authority to investigate the contents of contracts between insurance firms and facilities listed in their direct repair programs or preferred lists. I would also like to request an update regarding DOJ’s understanding of the existing signatories of the 1963 consent decree and regardless of whether they continue to be bound by the consent decree in light of business transactions in the years because the decree was signed.

Thank you in advance for your prompt consideration to this essential matter harming consumers and the auto repair business, and compromising car safety.

Sincerely,

RICHARD BLUMENTHAL

United States Senator

 
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