Do you use your personal car for business purposes? If you do so, wait, does your personal auto insurance policy cover ‘business use?’ Yes, not all personal auto insurance policies consider commercial use. In fact, a personal policy generally doesn’t cover damage to your car if you are using it for business purpose. And in certain cases, even if your personal policy has business-use coverage, you may find yourself at a loss when an accident happens, that is when your liability limits are not high enough to cover the damage. Thus, if you are not sure whether business use is covered on your personal auto policy, it is very important to call your insurance company or agent and put the following questions to them:

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Have you even thought who causes water pollution? Of course, we the people are solely responsible for water pollution. When rain water flows from your garden over our streets and yards, it carries pollutants into the storm drains. These pollutants may include used motor oil, pesticides, paints, fertilizers, insecticides, plastic debris, cigarette butts, solvents, sediments, grass clippings, pet waste and various other hazardous waste.

Used motor oil is considered as the single biggest source of water pollution in the United States. Motor oil leaked from individual vehicles or outright dumped by homeowners as well as commercial garages constitute a significant chunk of storm water runoff. Whatever goes down a storm drain flows directly into local water bodies and eventually to the ocean, which ultimately cause a threat to water quality as well as to marine life. It is being said that one gallon of used oil can ruin one million gallons of water and create an eight-acre slick on surface water. As per the Environmental Protection Agency, 40 percent of oil pollution in the United States comes from the improper disposal of used motor oil by Americans. (more…)

Vehicle breakdowns can be costly during anytime of the year, but especially during the winter months, it can be deadly as well. And it is very disappointing when such problems occur during your holiday trip. Winter breakdowns generally occur in harsh weather which can end up literally being deadly and could spoil your trip.

 The fact is that breakdowns are not totally avoidable, however these can be prevented. Preparation can help to ensure that you will arrive your destination safe and sound.  Thus, in order to avoid unexpected problems, preventive maintenance is a must for you and any motorist. Don’t let a highway breakdown ruin your trip this holiday season, so be prepared and increase your chances of arriving on time. Here are a few tips for you, while looking for the right repair shop for your vehicle: (more…)

Buying a new car can be an exciting experience for anyone. But, when it comes to auto financing you might feel is not the best option for your situation. Because, as far as this complicated subject is concerned, everyone has a different opinion regarding the best possible methods and strategies for financing a large purchase like a car. Therefore, every car buyer should know what they need before they begin the car buying process. Thus, here a few tips for you regarding car financing:

The mistake most people make while financing a car is that they consider the size of the monthly payment instead of the actual cost of the car. Of course, it seems a great purchase for you if a car has more luxury features or a bigger engine and if that is offered with an affordable monthly price. Dealers always recommend low monthly payments over a longer time period, because, through longer payments they can make good money from administrative fees and interest. (more…)