10 minutes grace at council car parks – a good idea?

There’s absolutely nothing very like the panic felt when rushing back to your vehicle to try and beat the parking meter.

And practically nothing very like the anger felt when you arrive at your vehicle a couple of minutes late only to discover it is currently been slapped with a ticket.

All that is about to modify though…

10 more minutes

Drivers in England will be provided 10 minutes’ grace before becoming hit with a fine if they keep as well long in council-owned automobile parking spaces.

The government has announced the grace period will kick in later this month, along with other measures created to quit councils generating income from parking fines.

Regional authorities in England have been beneath fire in current years after it emerged they had been collectively producing millions of pounds in profit out of parking fines – figures from the RAC Foundation show councils in England made a combined profit of £667million from on and off-street parking in 2103-14 alone.

The new measures contain:

• guidance for councils reminding them they are banned from “using parking to generate profit”


• a correct for residents and companies to demand – by a petition – that a council “reviews parking in their area”


• new powers for parking adjudicators so they can “hold councils to account”


• protection to stop drivers being fined right after parking at out-of-order meters


• a ban on the use of CCTV “spy cars” except in no-parking areas such as bus lanes and close to schools.

BEEN HIT WITH A COUNCIL PARKING FINE? HERE’S HOW TO APPEAL!

Pickles’ parking plan

Eric Pickles MP, communities secretary, announced the plans final year as portion of measures created to encourage us to return to our local high streets to do our purchasing and increase local economies.

Mr Pickles stated: “We are ending the war on drivers who merely want to go about their every day business. For also long parking rules have made law-abiding motorists feel like criminals, and caused enormous harm to shops and organizations.”

He added: “Slapping men and women with hefty fines is akin to criminalising shoppers and tends to make higher streets or parades no-go zones for drivers. More than-zealous parking enforcement and unreasonable stealth fines by post undermine the higher street.”

Safety initial?

On the flipside, there is an argument this legislation is being rushed by way of to curry favour with voters ahead of the common election.

And there are fears that the decision to drop CCTV cameras from zebra crossings could compromise pedestrian security.

Councillor David Sparks, chairman of the Neighborhood Government Association, mentioned: “We are concerned that government has rushed by means of today’s announcement and failed to fully seek the advice of councils on the detail of the regulation.”

He added: “Beyond the headlines, what is especially worrying is the detail of these proposals which could make roads significantly less secure for vulnerable pedestrians and inconvenience millions of motorists and commuters.”

What do YOU consider? A good idea or 1 that will be abused by motorists and affect road security? Let us know.

10 minutes grace at council car parks – a good idea?

Five techniques to place the cash rate reduce to very good use

While all long-term investors know that interest rates are broadly cyclical, Australia’s official cash rate has been low for some time now. It’s not great news for cash-focused savers who are struggling to get more than a 3.60% return now (btw – you can compare current term deposit interest rates here). On the other hand, with the latest cut in official cash rate taking us to just 2.25%, it’s a great opportunity for those who have debt to really get ahead on their personal wealth accumulation.

So here are 5 ways to put the recent cash rate cuts to good use.

Pay off personal debt

It really goes without saying that non-deductible debt such as a home mortgage or consumer debt should be paid off as soon as possible – but let’s put some savings figures to that.

Non-deductible debt, by the way, means debt that doesn’t have any tax benefits. That includes your home loan, personal loans, credit cards – that type of thing. It doesn’t include margin loans, investment property loans or any other loans that are used for income-producing activities and the interest on which is tax-deductible.

While the official cash rate now is just 2.25%, and the average package variable home loan rate is just 4.95%, the average variable rate on a personal loan is between 13% – 14% and the average standard credit card interest rate is 19% – a rate that really hasn’t changed since the official cash rate started falling back in late 2011. So it makes sense to put any home loan repayment savings towards this high interest rate debt and to get rid of it.

How much are you paying in credit card interest?

Here’s an example of how much you could save in credit card interest by increasing your repayments:

	Repayment $ 200 per month	Repayment $ 500 per month
Debt of $ 8,000	Will take 5 years & 3 months to pay off, at a total cost of $ 12,435	Will take 1 year & 7 months to pay off at a total cost of $ 9,130
Interest rate of 19%

Paying extra onto your home loan can also save you significant money and free up your cashflow sooner. Based on a home loan over 25 years at an interest rate of 5%, an extra $ 300 per month in repayments would potentially see your home loan paid off in the following timeframe:

Loan size	Time to pay off
$ 300,000	18 years, 10 months
$ 400,000	20 years, 1 months
$ 500,000	20 years, 11 months
$ 600,000	21 years, 5 months

Become positively geared

Tax deductions on investment loans are okay – but a positive cashflow isn’t bad either! As investors know, property can either be positively geared, where the cost of holding the investment is less than the income you receive from it, or can be negatively geared, meaning that the cost of holding the investment is greater than the income.

How does gearing work?

It is common for property investments to be negatively geared in the early years and Australian Taxation Office (ATO) statistics indicate that approximately 2-thirds of property investors make an income loss on their investments.

That doesn’t mean that a loss is always the ideal outcome though. With the majority of taxpayers being on a marginal tax rate of 32.5% plus Medicare levy, the fact is that for $ 1,000 of outlay, many investors will only receive $ 325 back. Even investors on the top marginal tax rate of 45% will receive less than half their outlay back from the ATO.  Over time, capital growth should hopefully compensate for that cost but a low interest rate environment gives investors the opportunity to pay down their loan as quickly as possible and hence minimize their out of pocket expense.

Contribute to superannuation

While you cannot access your retirement nest egg until you reach your preservation age (which for those born after 1 July 1964 is 60 years), there is no question that superannuation is a tax-favoured investment vehicle. As such, taking advantage of lower loan repayments and diverting some excess funds into your superannuation can be a terrific investment strategy.

In the 2014-15 financial year investors can claim up to $ 30,000 of superannuation contributions as a tax deduction. These are known as “concessional contributions” and it is important to note that they include

• compulsory super guarantee (SG)contributions made by your employer

• salary sacrifice contributions that you make


• any personal contributions you notify your fund you intend to claim as an income tax deduction

Concessional contributions are taxed at a rate of 15% when paid into your super fund and therefore represent a significant taxation discount for anyone earning over $ 37,000. Do be aware, however, that if you make concessional contributions that are in excess of the $ 30,000 allowed, the excess amounts will be taxed at a total of 46.5%.

Improving your property

Lower interest rates and mortgage repayments could also pose an ideal opportunity to divert the excess cash towards property repairs or improvements. If it’s your own home it obviously makes it nicer to live in and if it’s an investment property it can make it more desirable in the eyes of a prospective tenant. A fresh coat of paint, some new carpet or beautifully-polished floorboards could make a world of difference. Some new garden beds, a gleaming kitchen  – or a gleaming new bathroom  – could enable you to boost your rent.

According to Roy Morgan Research, 30.5% of us made minor home repairs in the year to June 2014 – and with home loan rates falling, those who have equity in their home could be in a good position to renovate cost-effectively. Renovating, as opposed to selling and buying elsewhere, also saves on stamp duty!

Of course, if spending money on your home or investment property is on the cards, ensure that you calculate your costs precisely to prevent your expenses from blowing out. And with regards to investment properties,  get professional advice to ensure that you understand what expenditure can be claimed as an expense for tax purposes (generally repairs and maintenance) and what is a capital expenditure (generally classed as improvements). Your capital expenditure may be able to be depreciated over its effective life.

Investment properties: Common buyer mistakes

Invest in yourself

The federal government is keen to deregulate university fees – but it hasn’t happened yet. So with a little extra cash in your pocket, now could be a good time to do that further study that you have always intended to complete.

There is plenty of research to indicate that the more qualified a worker is, the higher their average lifetime earnings. So while a university course may not be a tax deduction up front, it could nevertheless be a great long-term investment.

As with everything financial, the right course of action will depend on your personal circumstances, so it’s important to seek professional advice before jumping in to any long-term commitment. But whether your goal is to expand your assets, improve your savings or just to sight tight for a while, there are certainly plenty of opportunities to grow your long-term wealth in a low interest rate environment.

Five techniques to place the cash rate reduce to very good use

Are vehicle-getting solutions a good notion?

Selling a vehicle can be difficult. A private sale is a hassle, even if it goes smoothly. But you frequently have to deal with a variety of time wasters and chancers. There could be advertising costs, too.

Portion-exchange is no less complicated. Who wants to haggle with a auto salesman, who primarily haggles for a living?

3 steps to heaven?

But there is an option. A quantity of firms, such as webuyanycar.com and thecarbuyingservice.co.uk, offer to sell your car in 3 simple steps.

It begins with an online valuation. You basically type in the registration quantity of the car and answer a couple of concerns about the situation of the auto. The valuation need to pop up within minutes.

Valuations are typically assured for up to 6 days and depend on a number of elements, such as the industry price of your automobile, its mileage and service history.

Rust never sleeps

The valuation is also subject to an inspection. So, if you forget to mention the dent in the bumper or the rusty pain2rk, the business could spend much less for the automobile.

The valuation is typically free of charge and you are below no obligation to comply with-by way of and sell your automobile.

You therefore have the possibility to evaluate the supply with a component exchange deal or the cost of comparable automobiles in the classifieds to check if you can get a better price.

Constantly remember that the service tends to make its money by selling your auto for money than it paid you for it, so you are primarily trading a portion of the worth for ease and comfort of a rapid, slick sale.

Let’s assume you determine to go ahead and sell your auto. Some firms gather the automobile from your residence or workplace. Other people count on you to take the vehicle to a branch or drop-off centre. You would then have to make your personal way home.

Webuyanycar.com, for instance, has branches nationwide, although the carbuyingservice.co.uk operates from drop-off centres in Yorkshire, the North West and the Midlands, as nicely as a quantity of Asda car parks.

Other businesses such as money4yourmotors.com run a collection service.

Paper chase

Do not just turn up with your vehicle. You have to make an appointment very first. It’s also a excellent idea to get the paperwork with each other.

You will almost undoubtedly want the log book, the service history, MOT certificate, spare keys, and your bank information.

The organization must give you a checklist in advance, or you can normally uncover the information on the firm’s website.

Whether or not you take your vehicle to a branch or arrange collection, the firm will inspect the car prior to handing more than any cash. The inspection may possibly also involve a test drive.

Potential difficulties

It’s at this stage that prospective issues could arise.

If the automobile does not match your description or if the inspector discovers a fault with the car, the business does not have to honour the valuation.

It is as a result critical to give as much detail as you possibly can when you comprehensive the on the internet valuation form – and be totally sincere, as the truth will out!

Transfer window

If you agree to the sale, the cash must be transferred immediately to your bank account. The whole procedure can be over in 20 minutes, even though you ought to be wary of letting anybody drive your vehicle away till you are confident the cash has arrived.

Watch out for transaction costs, also. Some firms charge a charge when you sell the automobile to them, which could be as much as £75. The fees ought to be produced clear at the outset, but it is worth checking, just in case.

Vehicle buying services generally accept all makes and models of vehicle or van. Nevertheless, if you car is specifically old or is an import, you might have to make contact with consumer services as an on the web valuation may not be feasible.

You can also sell a vehicle with outstanding finance. But don’;t forget that the remaining debt will be deducted from the sale value.

You may possibly be in a position to negotiate a greater price tag for your auto through a private sale or even a dealer. But if you locate it hard to channel your inner automobile salesman, then a car buying service is a rapid, easy and haggle-free way to sell your auto.

Are vehicle-getting solutions a good notion?

2015 is off to a good start for motorists – it is cheaper to run your car now than a year ago

Wesbank anticipates positive vehicle sales in 2015

Despite an apparent slow start to new vehicle sales in January, WesBank anticipates industry growth this year. The latest new vehicle sales data from the National Association of Automobile Manufacturers of South Africa (Naamsa) reflects a small decline in vehicle sales, compared to January last year.

Industry new vehicle sales totalled 52 306 units for the first month of 2015, a year-on-year decline of 1.2%. Of this, passenger cars accounted for 36 982, down 3.6%, while Light Commercial Vehicles increased 6% to 13 460 sales.

A closer examination reveals that the decline in sales of new vehicles can largely be attributed to a 9.7% drop in activity in the rental market.

“Rental companies seem to be shifting their replacement cycle to the second half of the year – as we saw in the last 6 months of 2014,” said Rudolf Mahoney, head of research at WesBank. “Sales in the rental market were down 11% at the start of 2014, but ended the year with double-digit growth.”

At a dealer level the drop is a mere 0.1%, year-on-year.

“In December 2014 dealer sales increased by 10.5%, suggesting that consumers brought forward their vehicle purchases to avoid January’s annual car price increases,” said Mahoney.

WesBank’s Mobility Index indicates that the monthly mobility costs for consumers are lower now than at the same point in 2014. The Mobility Index tracks all of the associated costs for owning and operating a car, including instalments, fuel, maintenance, and insurance. Compared to August 2014 consumers are now paying R3.99 less, per litre, which equates to a saving of more than 28%

“With interest rates remaining stable and manufacturer marketing incentives helping to drive sales the environment is conducive for marginal growth in the new vehicle market,” said Mahoney. “However, consumers would do well to not budget against savings at the pumps. Should the rand weaken or oil prices increase monthly household budgets will be under even more stress.”

2015 is off to a good start for motorists – it is cheaper to run your car now than a year ago

All-New Mazda2 Wins Good Design Gold Award 2014 In Japan

The soon to be launched in South Africa, all-new Mazda2 wins Good Design’;s Gold Award in Japan

After just recently winning Car Of The Year Japan, Mazda Motor Corporation has announced that the all-new Mazda2 received the Good Design Award’;s Good Design Gold Award (Ministry of Economy, Trade and Industry Minister’;s Award), sponsored by public interest incorporated foundation, Japan Institute of Design Promotion.

Following the Mazda CX-5, Mazda6 and Mazda3 the soon to be launched in South Africa, all-new Mazda2 is the 4th in Mazda’;s line-up of new-generation products which feature the full range of SKYACTIV technology* and KODO-Soul of Motion design.

Aspiring to create a new-generation subcompact that would shatter people’;s preconceived notions about this class of vehicle, Mazda packed all the new technology and design ideas that have defined the automaker’;s new-generation models into the compact body of the Mazda2. KODO design has been evolved to give the model a sense of life and an undeniable presence that belies the vehicle’;s compact size. With the interior, Mazda designers aimed to set a new global benchmark for the segment. Every element, from spatial composition and forms, through to colour coordination and textures, was drastically transformed to realize a feeling of quality that exceeds the class.

The Japan Institute of Design Promotion said about the Mazda2, “Mazda has taken all of the KODO design from the last few years and condensed it into this compact body. The tense undulations of the body surfaces remind one of a wild animal in pursuit of prey, and every line expresses a sense of speed. The exterior is so dynamic it is hard to believe this form was achieved on a small city car. Not only does the quality feel of the interior exceed the standards of the class, the natural driving position made possible by moving the front wheels forward means you never feel like you are driving a small car. Along with the SKYACTIV clean diesel engine this model lets you enjoy the most fundamental pleasure of the automobile-moving your own hands and feet to get where you want to go-with all 5 senses.”

Established in 1957, the Good Design Award is Japan’;s only comprehensive program for the evaluation and commendation of design. In 2014, a total of 1,258 designs were awarded the Good Design Award, among which the highest scoring 100 were named to the Good Design Best 100. The Good Design Gold Award is awarded to the most outstanding designs among the Good Design Best 100.

For more information about the Japan Institute of Design Promotion’;s Good Design Award:

http://www.g-mark.org/?locale=en

“Mazda Southern Africa is inspired and enthusiastic about launching this now multi award winning all-new Mazda2 in South Africa early 2015.” Says David Hughes – MD of Mazda South Africa

*SKYACTIV is the umbrella term for Mazda’;s range of next-generation technologies-including gasoline and diesel engines, transmissions, body and chassis – developed under Mazda’;s Sustainable Zoom-Zoom vision to provide both driving pleasure and outstanding environmental and safety performance.

All-New Mazda2 Wins Good Design Gold Award 2014 In Japan

All-New Mazda2 Wins Good Design Gold Award 2014 In Japan

The soon to be launched in South Africa, all-new Mazda2 wins Good Design’;s Gold Award in Japan

After just recently winning Car Of The Year Japan, Mazda Motor Corporation has announced that the all-new Mazda2 received the Good Design Award’;s Good Design Gold Award (Ministry of Economy, Trade and Industry Minister’;s Award), sponsored by public interest incorporated foundation, Japan Institute of Design Promotion.

Following the Mazda CX-5, Mazda6 and Mazda3 the soon to be launched in South Africa, all-new Mazda2 is the 4th in Mazda’;s line-up of new-generation products which feature the full range of SKYACTIV technology* and KODO-Soul of Motion design.

Aspiring to create a new-generation subcompact that would shatter people’;s preconceived notions about this class of vehicle, Mazda packed all the new technology and design ideas that have defined the automaker’;s new-generation models into the compact body of the Mazda2. KODO design has been evolved to give the model a sense of life and an undeniable presence that belies the vehicle’;s compact size. With the interior, Mazda designers aimed to set a new global benchmark for the segment. Every element, from spatial composition and forms, through to colour coordination and textures, was drastically transformed to realize a feeling of quality that exceeds the class.

The Japan Institute of Design Promotion said about the Mazda2, “Mazda has taken all of the KODO design from the last few years and condensed it into this compact body. The tense undulations of the body surfaces remind one of a wild animal in pursuit of prey, and every line expresses a sense of speed. The exterior is so dynamic it is hard to believe this form was achieved on a small city car. Not only does the quality feel of the interior exceed the standards of the class, the natural driving position made possible by moving the front wheels forward means you never feel like you are driving a small car. Along with the SKYACTIV clean diesel engine this model lets you enjoy the most fundamental pleasure of the automobile-moving your own hands and feet to get where you want to go-with all 5 senses.”

Established in 1957, the Good Design Award is Japan’;s only comprehensive program for the evaluation and commendation of design. In 2014, a total of 1,258 designs were awarded the Good Design Award, among which the highest scoring 100 were named to the Good Design Best 100. The Good Design Gold Award is awarded to the most outstanding designs among the Good Design Best 100.

For more information about the Japan Institute of Design Promotion’;s Good Design Award:

http://www.g-mark.org/?locale=en

“Mazda Southern Africa is inspired and enthusiastic about launching this now multi award winning all-new Mazda2 in South Africa early 2015.” Says David Hughes – MD of Mazda South Africa

*SKYACTIV is the umbrella term for Mazda’;s range of next-generation technologies-including gasoline and diesel engines, transmissions, body and chassis – developed under Mazda’;s Sustainable Zoom-Zoom vision to provide both driving pleasure and outstanding environmental and safety performance.

All-New Mazda2 Wins Good Design Gold Award 2014 In Japan

Promoting a vehicle? Very good photos make a distinction

Lots of Aussies sell their vehicle each and every year. And even though the condition, mileage and engine specifications are essential, initial impressions can make a huge distinction too. CANSTAR caught up with Vladka Kazda, Chief Marketing and advertising Officer for carsales.com.au, to get some insider ideas on the all-important selling shots.

Q: When it comes to promoting your auto, how essential is it to have wonderful photos?

A: Obtaining wonderful photos is without a doubt one of the critical factors to a swift and productive sale.

Photos differentiate your ad from the rest and encourage higher interest right away. Photographs allow potential purchasers to quite swiftly get a feel for your car and frequently fall in enjoy with it on the web!

The more photos you can provide of your car’s interior and exterior, the more self-assurance and trust you give interested purchasers.

By showcasing your automobile at each angle up front, you encourage the most genuine buyers and limit the number of inspections required to get to a sale. With really great photos, the initial to see genuinely will acquire!

At carsales, we recognise how critical photos are, which is why we’re the only internet site to provide unlimited pictures with every single ad. We also supply a premium photography service that comes to your door for these that want a skilled touch.

Q: What are some of the “must have” images to include?

A: While there is no rule to what photographs you should have, the basic rule is the more of the automobile you can capture, inside and out, the greater. Below is a guide of the most important angles to capture:

• Front drivers side 3 quarter


• Side shot (drivers side)


• Rear drivers side 3 quarter


• Rear on shot


• Rear passenger 3 quarter


• Side shot (passenger side)


• Front passenger side 3 quarter


• Front on shot


• Drivers side interior


• Passenger side interior


• Rear interior


• Engine bay


• Boot

If you genuinely want to give the purchaser the complete picture and differentiate yourself from other folks, I’d suggest also like the following:

• Service books (excluding any personal info in the images of course)


• Sunroof


• Alloy wheels


• Accessories


• Factory choices (cruise manage, stereo and so on)

Q: Must you incorporate pictures of any defects, as properly as the excellent points?

A: If your automobile has a scratch or a dent, do not be afraid to incorporate it in your images. All utilized cars have some imperfections and buyers choose to know up front.

It’s critical to disclose anything that could be a main concern, such as a large dent or a massive tear in a seat, nevertheless there is a limit to how far you need to have to go. A tiny tiny stone chip on the bonnet is regarded fair wear and tear and not anything you should require to highlight.

Q: In your expertise, what variety of background operates well?

A: The ideal backgrounds are uncluttered, largely a single colour and do not detract from the car. Avoid obtaining other automobiles, men and women or something else that can distract the buyer’s eye.

Finding a massive wall painted in 1 colour is often very good and is something you can usually locate at your nearby industrial region or purchasing centre. Attempt and decide on a colour that contrasts the colour of your auto to help it stand out.

And just to be protected, ideal to steer clear of images that reveal any personal particulars such as where you reside or the auto is kept.

Promoting a vehicle? Very good photos make a distinction

All-New Mazda2 Wins Good Design Gold Award 2014 In Japan

The soon to be launched in South Africa, all-new Mazda2 wins Good Design’;s Gold Award in Japan

After just recently winning Car Of The Year Japan, Mazda Motor Corporation has announced that the all-new Mazda2 received the Good Design Award’;s Good Design Gold Award (Ministry of Economy, Trade and Industry Minister’;s Award), sponsored by public interest incorporated foundation, Japan Institute of Design Promotion.

Following the Mazda CX-5, Mazda6 and Mazda3 the soon to be launched in South Africa, all-new Mazda2 is the 4th in Mazda’;s line-up of new-generation products which feature the full range of SKYACTIV technology* and KODO-Soul of Motion design.

Aspiring to create a new-generation subcompact that would shatter people’;s preconceived notions about this class of vehicle, Mazda packed all the new technology and design ideas that have defined the automaker’;s new-generation models into the compact body of the Mazda2. KODO design has been evolved to give the model a sense of life and an undeniable presence that belies the vehicle’;s compact size. With the interior, Mazda designers aimed to set a new global benchmark for the segment. Every element, from spatial composition and forms, through to colour coordination and textures, was drastically transformed to realize a feeling of quality that exceeds the class.

The Japan Institute of Design Promotion said about the Mazda2, “Mazda has taken all of the KODO design from the last few years and condensed it into this compact body. The tense undulations of the body surfaces remind one of a wild animal in pursuit of prey, and every line expresses a sense of speed. The exterior is so dynamic it is hard to believe this form was achieved on a small city car. Not only does the quality feel of the interior exceed the standards of the class, the natural driving position made possible by moving the front wheels forward means you never feel like you are driving a small car. Along with the SKYACTIV clean diesel engine this model lets you enjoy the most fundamental pleasure of the automobile-moving your own hands and feet to get where you want to go-with all 5 senses.”

Established in 1957, the Good Design Award is Japan’;s only comprehensive program for the evaluation and commendation of design. In 2014, a total of 1,258 designs were awarded the Good Design Award, among which the highest scoring 100 were named to the Good Design Best 100. The Good Design Gold Award is awarded to the most outstanding designs among the Good Design Best 100.

For more information about the Japan Institute of Design Promotion’;s Good Design Award:

http://www.g-mark.org/?locale=en

“Mazda Southern Africa is inspired and enthusiastic about launching this now multi award winning all-new Mazda2 in South Africa early 2015.” Says David Hughes – MD of Mazda South Africa

*SKYACTIV is the umbrella term for Mazda’;s range of next-generation technologies-including gasoline and diesel engines, transmissions, body and chassis – developed under Mazda’;s Sustainable Zoom-Zoom vision to provide both driving pleasure and outstanding environmental and safety performance.

All-New Mazda2 Wins Good Design Gold Award 2014 In Japan

Promoting a vehicle? Very good images make a distinction

A lot of Aussies sell their auto each and every year. And while the condition, mileage and engine specifications are essential, very first impressions can make a big distinction also. CANSTAR caught up with Vladka Kazda, Chief Marketing and advertising Officer for carsales.com.au, to get some insider tips on the all-critical selling shots.

Q: When it comes to selling your auto, how important is it to have fantastic images?

A: Possessing great photos is with no a doubt one particular of the critical variables to a quick and effective sale.

Photographs differentiate your ad from the rest and encourage higher interest immediately. Pictures let prospective purchasers to very quickly get a feel for your auto and usually fall in love with it online!

The much more images you can offer of your car’s interior and exterior, the much more self-confidence and trust you give interested purchasers.

By showcasing your auto at each and every angle up front, you encourage the most genuine buyers and limit the quantity of inspections needed to get to a sale. With actually great photographs, the initial to see really will acquire!

At carsales, we recognise how critical photos are, which is why we’re the only internet site to provide limitless photos with every single ad. We also provide a premium photography service that comes to your door for those that want a specialist touch.

Q: What are some of the “must have” photographs to incorporate?

A: Whilst there is no rule to what images you should have, the common rule is the much more of the car you can capture, inside and out, the far better. Beneath is a guide of the most essential angles to capture:

• Front drivers side 3 quarter


• Side shot (drivers side)


• Rear drivers side 3 quarter


• Rear on shot


• Rear passenger 3 quarter


• Side shot (passenger side)


• Front passenger side 3 quarter


• Front on shot


• Drivers side interior


• Passenger side interior


• Rear interior


• Engine bay


• Boot

If you really want to give the buyer the full image and differentiate your self from other individuals, I’d suggest also which includes the following:

• Service books (excluding any individual information in the pictures of course)


• Sunroof


• Alloy wheels


• Accessories


• Factory options (cruise handle, stereo etc)

Q: Should you consist of photographs of any defects, as nicely as the very good points?

A: If your car has a scratch or a dent, don’t be afraid to include it in your photographs. All employed automobiles have some imperfections and purchasers choose to know up front.

It’s important to disclose something that might be a significant concern, such as a massive dent or a huge tear in a seat, nonetheless there is a limit to how far you want to go. A tiny small stone chip on the bonnet is regarded fair put on and tear and not anything you ought to require to highlight.

Q: In your encounter, what variety of background operates well?

A: The ideal backgrounds are uncluttered, mainly one particular colour and do not detract from the car. Keep away from possessing other cars, people or anything else that can distract the buyer’s eye.

Locating a huge wall painted in one particular colour is usually great and is anything you can typically locate at your local industrial region or buying centre. Attempt and select a colour that contrasts the colour of your automobile to help it stand out.

And just to be secure, best to steer clear of photographs that reveal any personal details such as where you live or the vehicle is kept.

Promoting a vehicle? Very good images make a distinction

All-New Mazda2 Wins Good Design Gold Award 2014 In Japan

The soon to be launched in South Africa, all-new Mazda2 wins Good Design’;s Gold Award in Japan

After just recently winning Car Of The Year Japan, Mazda Motor Corporation has announced that the all-new Mazda2 received the Good Design Award’;s Good Design Gold Award (Ministry of Economy, Trade and Industry Minister’;s Award), sponsored by public interest incorporated foundation, Japan Institute of Design Promotion.

Following the Mazda CX-5, Mazda6 and Mazda3 the soon to be launched in South Africa, all-new Mazda2 is the 4th in Mazda’;s line-up of new-generation products which feature the full range of SKYACTIV technology* and KODO-Soul of Motion design.

Aspiring to create a new-generation subcompact that would shatter people’;s preconceived notions about this class of vehicle, Mazda packed all the new technology and design ideas that have defined the automaker’;s new-generation models into the compact body of the Mazda2. KODO design has been evolved to give the model a sense of life and an undeniable presence that belies the vehicle’;s compact size. With the interior, Mazda designers aimed to set a new global benchmark for the segment. Every element, from spatial composition and forms, through to colour coordination and textures, was drastically transformed to realize a feeling of quality that exceeds the class.

The Japan Institute of Design Promotion said about the Mazda2, “Mazda has taken all of the KODO design from the last few years and condensed it into this compact body. The tense undulations of the body surfaces remind one of a wild animal in pursuit of prey, and every line expresses a sense of speed. The exterior is so dynamic it is hard to believe this form was achieved on a small city car. Not only does the quality feel of the interior exceed the standards of the class, the natural driving position made possible by moving the front wheels forward means you never feel like you are driving a small car. Along with the SKYACTIV clean diesel engine this model lets you enjoy the most fundamental pleasure of the automobile-moving your own hands and feet to get where you want to go-with all 5 senses.”

Established in 1957, the Good Design Award is Japan’;s only comprehensive program for the evaluation and commendation of design. In 2014, a total of 1,258 designs were awarded the Good Design Award, among which the highest scoring 100 were named to the Good Design Best 100. The Good Design Gold Award is awarded to the most outstanding designs among the Good Design Best 100.

For more information about the Japan Institute of Design Promotion’;s Good Design Award:

http://www.g-mark.org/?locale=en

“Mazda Southern Africa is inspired and enthusiastic about launching this now multi award winning all-new Mazda2 in South Africa early 2015.” Says David Hughes – MD of Mazda South Africa

*SKYACTIV is the umbrella term for Mazda’;s range of next-generation technologies-including gasoline and diesel engines, transmissions, body and chassis – developed under Mazda’;s Sustainable Zoom-Zoom vision to provide both driving pleasure and outstanding environmental and safety performance.

All-New Mazda2 Wins Good Design Gold Award 2014 In Japan

5 Questions which show why choosing car hire cover makes good sense

If you depend on your car on a daily basis, you may find yourself in a dilemma should it need to go to the panel beater for repairs after an accident. Insurance companies understand the inconvenience that comes with not having your car for a period of time and the high costs of hiring one to temporarily replace it. That is why there is an option to take cover for a hired car as a low-cost added-extra on your insurance policy – putting you into a hired car when you need it most.

If your car is written off, stolen or hijacked, it could be weeks until you are back in the driver’s seat. Having the car hire option on your policy means immediate relief of pressures and worries, equipping you to get on with life, like getting kids to school, going to work and doing the shopping.

These 5 questions will give you a clear idea of how to get car hire on your car insurance – and how it works.

1. When can I get a hired car?

If you have taken the car hire option on your car insurance, you’ll have access to a hired car when you lodge a claim.

Your insurance company, through a car hire company, will provide you with a hired car only if your car is:

• Damaged and is being repaired;


• Damaged and not drivable;


• Stolen or hijacked.

2. How long can I keep the car?

It’s important that you understand the period of time that your insurer will pay for the hired car. For example, at MiWay clients can select between 10, 20, 30, 45 or 60 days when taking the cover. The hired car is available for the maximum period you have selected, or until your claim is finalised if that happens before the time selected has expired.

Remember, you may not necessarily have your car repaired by the time the rental period is over. If this is the case, you are able to hire the car for longer, but at your own expense. As a MiWay client, you are able to extend your car hire after your selected rental period at a discounted rate, provided there is no break in the car hire period.

 

Tip: If your car has parts that are hard to come by, it is suggested that you select car hire for a longer period, as it could take a while for the panel beater to find the right parts to your car.

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3. What are the terms and conditions that I should know about?

Deposit and Insurance on the hired car

The deposit may be high but it is refundable once you return the hired car in the same condition you received it in from the car hire company, less e-toll fees and fuel, if applicable. You will also have to pay for running costs as well as the collection and delivery fees, if any. In the event of a claim on a hired car, you will be liable for the excess.

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Tip: Inspect the hired car very carefully when you pick it up. Note any damage, no matter how minor, to prevent being held liable upon returning it.

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4. My car broke down, can I get a hired car?

Car hire is an optional add-on cover for a specific car for which an additional premium is paid. You can only use the hired car when you have a valid claim on the car on which you took the car hire option. Mechanical and electrical failure are excluded from policy cover and are not seen as insured events, so you will not get a hired car through your insurance while your car is being attended to.

Some insurers, like MiWay, will provide you with an emergency roadside assistance benefit which will pay R500 towards a hired car if you are stranded more than 100 kilometres from your home. Be sure to check your policy schedule to see if you qualify for this MiHelp benefit.

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5. Can I get an automatic car?

If you prefer an automatic transmission, it can be specified when taking up the car hire cover with your insurance company. For drivers with special needs, car hire companies such as Avis have a limited amount of cars available.

Car hire cover with your car insurance can be a lifesaver, especially if you don’t have a second car in your household.

For more information on car insurance and car hire, visit www.miway.co.za

Also view:

Car Rental and Road Safety

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MiWay is an Authorised Financial Services Provider (Licence no: 33970)

MiWay Insurance Limited (‘MiWay’)is a direct, short-term insurance company, offering customers a range of short-term insurance products including motor, household and homeowners insurance as well as add-on products such as warranty cover and liability cover. MiWay’;s shareholder is Santam, a blue-chip JSE-listed company.

5 Questions which show why choosing car hire cover makes good sense

Subaru Levorg wins coveted 2014 Good Design Award

The Subaru Levorg has won the coveted 2014 Good Design Award from the Japan Institute of Design Promotion (JDP). Following the 2013 award bestowed on the Subaru Forester and the 2012 awards for the Impreza and XV, this marks the 3^rd consecutive year that Subaru has been honoured with the Good Design Award, which reflects JDP’;s high praise for the Subaru design that fuses style and functionality.

The JPD comments: “True to its product concept as the fusion of sports car and wagon features, the Subaru Levorg has a dynamic form with fender blisters and a roof line which is sloped more sharply than the traditional wagon-style Legacy while maintaining the brand’;s strengths of good visibility and a versatile cargo space. On the inside, Subaru has gone so far as to set up a special design team to complete finishing touches, where we can see the attention that they’;ve given to details in the feel of materials and the sound quality of moving parts.

“With further advances made on the brand’;s unique technologies such as the horizontally-opposed Boxer® engine and EyeSightT driver assist system, the Subaru Levorg has been completed as a vehicle which ensures a secure, enjoyable driving experience.”

Subaru Levorg wins coveted 2014 Good Design Award

Tail-Wagging Good News: Lamborghini Taking into consideration Rear-Wheel-Drive Huracán, Other Variants

The reveal of the initial spinoff of Lamborghini’s sensational new Huracán supercar—the radical, rear-wheel-drive Super Trofeo race car—last weekend in Pebble Beach begs the question: Will Lambo create a tail-wagging, rear-wheel-drive Huracán for the street? Effectively, at that identical occasion, Autocar gleaned a hint of an answer from Lamborghini CEO Stephan Winkelmann: “We did it with the Gallardo, so it may be an choice,” he said. “We are a 4-wheel-drive super-sports car [manufacturer], but why need to we not do a rear-drive selection?”

The rear-drive Gallardo of which Winkelmann spoke is, of course, the restricted-edition 2010 Gallardo LP550-2 Balboni, which was powered by a 542-hp V-10, which had 10 fewer horsepower than the Gallardo LP560-4 but also lugged about 97 fewer pounds. It was a touch slower to accelerate (turns out 4-wheel grip is a great factor when there’s this a lot energy) but had a character that we described as “more beastly” than the automobile on which it was primarily based. A far more mannerly rear-drive Gallardo LP550-2 Spyder debuted for the Gallardo’s swan-song year, 2013, and was also constructed in very low volumes.

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Apparently, it is less a matter of Lamborghini wanting variations on the Huracán theme than needing them. “We want lots of derivatives,” Winkelmann told Autocar. “Customers expect it, and we often need something new to talk about.” Yeah, because folks do not speak about Lamborghinis adequate.

What other derivatives are on the way? Nicely, if the Gallardo’s item cadence provides us anything to go on, a Huracán Spyder ought to seem within a year, and a lightweight Superleggera coupe and a smattering of particular editions will appear during the cycle, as well. Exactly where the rear-drive Huracán fits into the schedule is anyone’s guess, but we’re content to hear that execs are taking into consideration it.

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Tail-Wagging Good News: Lamborghini Taking into consideration Rear-Wheel-Drive Huracán, Other Variants

Professional FAQ: Is My Pet a Very good Candidate for Pet Insurance?

One particular of most new parents’ first issues is producing sure their youngster is protected in case they get sick – usually with an insurance coverage policy. But what if your baby is of the furry range? Pet parents are far significantly less likely to insure their charges than human parents. Of the estimated 83.3 million dogs and 95.6 million cats that are kept as pets in American properties, only about 1% have pet insurance.

In spite of this, pet insurance is a increasing industry in the U.S. According to Dr. Zenithson Ng, clinical assistant professor at the University of Tennessee College of Veterinary Medicine, the healthcare charges owners might face are a factor: “The state-of-the-art care we can offer for our pets can frequently be costly,” with even routine surgeries costing thousands of dollars.Nonetheless, some pet owners nonetheless balk at the price of pet insurance – and for some, it might not be a good investment. Is your pet one of these?

How old is your pet?

“The ideal time to purchase pet insurance is when you get a puppy or kit8. They, like kids, are the ones most susceptible to illness, injury and accidents,” says Dr. Peter Weinstein, executive director of the Southern California Veterinary Healthcare Association.

Information supplied by pet insurer Trupanion supports this. Foreign physique ingestion is a single of the most common causes pets call for health-related care, and puppies are 2.5 times more probably to need to have remedy for it than dogs over 4. Kittens are also more probably than adult cats to eat issues they shouldn’t.

If your puppy or kitten does place one thing in their mouths, and they’re not insured, it is no tiny matter – Trupanion finds vet bills could total $ 1,400 for ingestion of a foreign body.

Adult pets’ injury danger ultimately levels off. But like older humans, older dogs and cats are much more most likely to endure illnesses like cancer. And as remedies for these illnesses turn out to be a lot more sophisticated, they also turn out to be much more high-priced. Pet insurance can support defray fees. The only problem? If you haven’t currently insured your pet by the time they’ve reached a company’s upper limit, it may be as well late. In some cases, pets as young as 7 are ineligible.

You could run into difficulty insuring a pet even earlier if they have any overall health difficulties. “No pet medical insurance coverage business covers pre-current situations,” says Kathryn Clappison, spokeswoman for Trupanion. Hereditary circumstances, which might manifest later in life, are also obstacles at some insurance coverage firms.

When do these difficulties commence? Dr. Ng explains, “By the time a pet is about 5-7 years of age, we think about them to be mature adults that might currently have proof of circumstances such as obesity, dental disease or osteoarthritis.”

If you adopt a senior pet, you deserve kudos – but you may be out of luck with some pet insurers.

What sort of pet do you have?

Owners of virtually any pet can find some organization to insure them, but most policies cover cats and dogs. And although any pet can have an high-priced well being issue, you may possibly be more probably to get your money’s worth from a pet insurance policy when insuring a dog. The 3 most typical well being problems affecting puppies have an average cost of $ 1,850 for treatment, whilst the 3 most common issues kittens face price an average of $ 867, according to Trupanion.

The type of dog or cat you pick also makes a distinction. Although Weinstein notes that all pets come with danger elements, some are far more most likely to demand a lot more – and much more expensive – remedies than other folks. For example, Trupanion finds that Bernese Mountain Dogs, Siberian Huskies, Goldendoodles and Golden Retrievers are the dog breeds most probably to have foreign body ingestion claims. Particular breeds are also predisposed to physical troubles, like skin or respiratory issues and hip dysplasia.

It all comes down to research – prior to purchasing a pet or a policy. “It’s critical for pet owners to know the dangers that come with their breed. All breeds have risk factors. Then find out which policies cover or don’t cover these risks,” Weinstein recommends.

Are you a good candidate for pet insurance?

None of these elements matter significantly if you have clear limits on what you’d devote to save a pet. On the other hand, if you are the kind of owner who’d go into debt to save your furry friend, a pet insurance policy could certainly come in handy. As Dr. Ng points out, “Most of us contemplate our pets to be family members members. So when a veterinarian presents you with a bill of $ 5,000 to do what’s greatest for your pet, it can be distressing to say, ‘If only I had the money.’”

He notes that pet insurance coverage plans can take some of the stress off pet owners in occasions of anxiety: “The clients I’ve seen who had pet insurance coverage in emergency conditions are always thankful they had it.”

If you do decide your pet is a great candidate, you’ll have a considerably wider selection of policies to pick from than you did a handful of years ago. Pet insurance coverage premiums typical about $ 50 per month.

Whether you choose a bare-bones policy, or one that covers wellness visits and other extras, Weinstein believes it is crucial for owners to sign up. “You must have it to defend oneself against unexpected situations,” he says. “Without pet insurance, vet bills are an out-of-pocket expense.”

He adds, “I recommend that pet owners preserve their insurance from womb to tomb. Just because you are a safe driver doesn’t imply you give up your auto insurance coverage.”

Image of puppy and kitten via Shutterstock.

 

Professional FAQ: Is My Pet a Very good Candidate for Pet Insurance?

2015 Mercedes-Benz S550 Coupe Driven: Dag, It is Sexy (and Good, Also)

Very first Drive Evaluation

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Raising the flag.

Take a excellent look at the new S-class coupe. That is correct, slow down and cease clicking your mouse or swiping your screen for a handful of seconds. The auto is gorgeous, no? But photos don’t even capture its huge size, its presence, its curves. It is not a supermodel, a waif of a sports car developed to appeal equally to gawking adolescents and these far more chronologically advanced but equally insecure. This is a modern day Mercedes, fully realized.

An further second to keep in mind the CL-class, please, that old lady of a coupe that’s been haunting Benz dealers for years now. Okay, accomplished with that, no eulogy necessary. Mercedes sold fewer than 500 of them last year. We will not be surprised if it finds more purchasers for the new B-pillarless S550 in the very first month of sales, which most likely will be October. Pricing has yet to be announced, but count on it to commence close to $ 120,000.

So the S-class coupe is costly, yes. As it must be, for a automobile that stands atop the Mercedes product variety. Fire up the 4.7-liter twin-turbocharged V-8 and the exhaust rumbles louder than does the S-class sedan’s, regardless of the fact that it is the exact same engine creating the exact same 449 horsepower and 516 lb-ft of torque. But the coupe also feels faster to accelerate, to shift, and to shed speed. Cutting 77 inches of wheelbase tends to make it a sportier proposition than the sedan, and when we lastly get one particular on our scales, the coupe should be lighter by a couple hundred pounds, also, if Mercedes is to be believed. Sprinting via visitors in the land of Gucci, the S550 coupe feels much more nimble than any CL ever has, regardless of measurements that track inside a few inches of its predecessor in every dimension.

Like in the sedan, the coupe has every single manner of contemporary technology constructed-in or prepared for order. This is a vehicle that can massage you while perfuming the air that you breathe. That can drive itself for short bursts, and brake for you when your consideration falters. Its massive glass roof can turn as opaque as the average driver’s understanding of the engineering that underlies these systems. Driving the S550 coupe, you nearly feel sorry for the product planners and engineers, under such intense stress to come up with 1 Far more Factor.

For the S-class coupe, that function is “active curve tilting,” a function of the car’s active suspension system that operates up to 112 mph. This predictive program scans the road up to 49 feet ahead with a stereoscopic camera and then hydraulically adjusts every single spring perch independently to compensate for up to 3 inches of physique motion versus the standard air suspension. Now the caveat is that we’re not acquiring this technology on the S550 coupe (or the S63 AMG coupe) here in the U.S. Our cars will all be fitted with 4-wheel drive, and active curve tilting is restricted to rear-drive automobiles.

That is okay by us. Obtaining driven a rear-drive S500 (European models wear different badging, but it’s the exact same auto as our S550), we wouldn’t really feel bad if somebody referred to as active curve tilting a gimmick. To be clear: We’re not. But we didn’t locate the expertise pleasurable, as it created handling unpredictable. And we do not see the point in building technologies that purposefully removes important feedback from the driving encounter. Thankfully, curve tilting can be turned off, and the Comfort and Sport settings of the ABC suspension provide what they guarantee.

The interior of the S-class coupe is almost indistinguishable from the sedan. A proper 3-spoke steering wheel replaces the odd 2-spoke unit in the sedan and the coupe gets the new touch-pad controller for the infotainment method just like in the newest C-class. Our test vehicle was fitted with the unique “Edition 1” remedy, so its dashboard inserts resemble a vintage Telefunken radio, with flowing lines on a piano black background, and a crystal nodule on the center console serves as the touch point to pop open the cover of the storage bin. Subtle but effective. Less understated are the Swarovski crystals obtainable in the headlamp assemblies, 17 each and every in the daytime operating lamps and 30 in the turn-signal indicators, even though none in the LED headlights themselves.

The S-class coupe is every bit as regal as its sedan counterpart. Yet when you open a single of the 2 4-and-a-half-foot-extended doors and slide into the quilted leather seats, almost everything appears just a bit a lot more opulent. Possibly it’s the tidier 4-place package or the steeper windshield rake. Or probably it is just the aftereffect of staring at the exterior sheetmetal. What’s unquestionable is this car’s position as Stuttgart’s new flagship.

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2015 Mercedes-Benz S550 Coupe Driven: Dag, It is Sexy (and Good, Also)

How Do I Find a Good Body Shop?

Discovering a physique shop can be a stressful expertise. In numerous situations, you have been involved in an accident, and want your automobile back to normal as swiftly as feasible. On the other hand, you do not want a shoddy repair, and amongst your vehicle insurance company’s preferred shops and your other options, it can be tough to choose. Even though there’s no foolproof way to know which body shop has your best interests in thoughts, you can comply with these suggestions to make a much better selection.

1. Do your research

When it comes to body shops, a long history and great word-of-mouth each are important. Many professionals suggest hunting for ideas from buddies and loved ones just before checking the Web. Certification is also key—manufacturer certifications, in certain.

As soon as you have some ideas, drive by the shops. Carl Patterson III, owner of the Physique Shop Collision Center in Charlotte, N.C., asks drivers, “What do you see when you drive into the parking lot? Is it clean, presentable, modern? Is it a place you feel comfy?” Although look shouldn’t be your only consideration, a tidy lot that appears to have a lot of turnover—and does not have old cars hanging around—is a very good sign.

2. Hold expense in perspective

Saving income is a excellent thing, to a point. Even so, although it’s attainable that the most high-priced shop you locate is inflating the price tag, the cheapest could not be the ideal selection, either. Jon Kazary, owner and manager of KenWall Auto Body in Linden, N.J., suggests, “Sometimes it is not in the customer’s ideal interest to go with the ‘cheapest’ value when it comes to car repair. Lots of shops will reduce corners, such as repairing parts when they are in fact in require of replacement.”

And if you do decide on a as well-low-cost shop, you may possibly regret it later. Kazary adds, “I discover many initially select the auto physique [shop] presenting the least expensive cost obtainable and then, a couple of months later, have to right a faulty, substandard repair.”

Your best bet is to ask the shop for an itemized estimate, and have a representative clarify it to you. If they’re prepared to take the time and can justify the expense, you are more most likely to be happy with the outcomes.

3. Appear for worth

The value you’re charged by a shop must be fair, given the operate they’re performing and what they can offer you you. A smaller shop may possibly charge a reduce cost for the same job, but if you need to have or want any extras, paying a lot more at a bigger shop could be a better bet.

Richard Afflerback, director of technical services at Cottman Total Auto Care – a chain with far more than 70 areas throughout the US – says that drivers must constantly ask, “Are you familiar with repairs and service on my make and model?” Shops that specialize could have less complicated access to parts. He also notes that clients need to look for shops with a rapid turnaround time and, if needed, loaners—a service that may possibly be less difficult to locate at a larger organization.

A shop should also have good high quality parts, not just ones that fit your car. Jodie Kehoe of Angie’s List reminds drivers that there are several kinds of parts obtainable, and some are better than others: “Check regardless of whether the shop makes use of aftermarket parts, utilized parts or original factory components. Original factory components are far better for the auto and frequently recommended by the manufacturer.” In some cases, an aftermarket or utilized part will perform, and may possibly be more cost-effective in an older automobile, but your shop should be simple with you about their motives for using one particular.

If your vehicle is nevertheless below warranty, the components employed can be even more important. Make sure the repairs completed don’t invalidate yours. Kehoe adds that a shop could offer its own warranty on the function: “Any reliable auto body shop will provide a lifetime warranty, no matter regardless of whether the insurance coverage firm or customer pays the bill.”

4. Investigate independents

Most insurance businesses have a ne2rk of preferred shops, and will try to steer you toward a single when scheduling a repair. But odds are you will get as very good or far better service if you choose an independent shop. Kehoe warns consumers against insurance coverage business suggestions: “Don’t really feel pressured to go with the body shop your insurance coverage business suggests. Remember that the shop is operating for you, the customer, and not the insurance coverage firm.” If you locate the shop yourself, they’re more probably to have your ideal interests in thoughts, and push back against the insurance company if they’re pressured to do a reduce-price job.

The bottom line

Even if you’ve accomplished your homework on a shop, it’s nevertheless very best to be safe. Authorities suggest receiving 3 or 4 written estimates—each original to the body shop, and not your insurance company’s—before picking. This will also give you an thought of what you can count on in terms of appearance, service, turnaround time and other factors. With any luck, you’ll have your car back in working order—and a check in hand from your insurer—in no time.

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Automobile physique worker image by means of Shutterstock.

How Do I Find a Good Body Shop?