Mid-America RV Show

Walk into a few of the RV trailers in the Mid America RV Show this season, and it is certain to feel a lot more like youre walking right into a residence.

Actually Shawn Wiegers, sales director for Liberty RV in Liberty, expects to listen to more and more people than normal say, This really is better than the house.

That wow factor is exactly what RV manufacturers are wishing for.

Lots of these trailers go to residential furniture, Wiegers stated. They also have attended full-size refrigerators, wood cabinets and soffit lighting. Theres even theater seating in certain.

That provides you that Im in your own home feeling whilst youre vacationing with the family, Wiegers stated. Which has reviewed very well with this customers.

And you may see exactly what the industry continues to be as much as at Bartle Hall through Sunday. The Mid-America RV Show started Thursday mid-day in downtown Might.

Show hrs are 2 to 9 p.m. Thursday, noon to 9 p.m. Friday, 10 a.m. to 9 p.m. Saturday and 10 a.m. to five p.m. Sunday. The price is $10 for adults. Children 12 years of age and more youthful have the freedom.

Greater than 300 RVs take presctiption display, stated Mark Boggess, president of media and occasions for GS Media Occasions.

The RV manufacturers through the years have altered, and they’re building coaches for that consumers lifestyle, Boggess stated. Whether your a occasional athlete using the kids and family or if youre a tailgater or if you search and fish or if youre a Dale earnhardt jr . enthusiast, they’re building new RVs to fulfill individuals lifestyles.

Walter Cannon, executive director from the Motorhome Safety Education First step toward Merritt Island, Fla., stated the RV or camping lifestyle is a superb for families.

It’s something which kids will remember all of their lives, he stated.

Individuals who enjoy RVs typically begin with their children if you take them on weekends a few days of the season. Pop-up trailers, that are smaller sized, less-costly units that may be towed by just about anything, are well-liked by first-timers.

Then they typically progress into smaller sized travel trailers and fifth-wheels, then bigger travel trailers and fifth-wheels after which up in to the large motorhomes.

It truly is a progression, Cannon stated. Many people find it is exactly what they are doing they get began, that they like it and they want something just a little fancier, just a little bigger maybe, a bit more room. It is exactly what they progress to.

Another side from the RV market is serving tailgaters.

You want to any major sports event, particularly nfl and college football, and you’re going to locate a large amount of RVs there, Cannon stated. People use RVs for several different reasons where they are able to take essentially get their stuff, their house, and become comfortable and have fun, too.

Prices vary dramatically with respect to the kind of RV and it is amenities. Pop-ups start at approximately $5,000 to $8,000, although some small trailers remain $15,000. A little camper might opt for the cost of some cars.

Prices grow after that, with respect to the size and specifications The bigger fifth-wheel trailers may cost $75,000 to $100,000.

Motorhomes visit anything you want, Cannon stated. It is similar to a home. You will get into any cost range to that you would like to get involved with.

RV shows are an easy way to determine what’s available and to speak to other RV enthusiasts and dealers.

One exhibitor even rents RVs to ensure that people can try the life-style prior to making dedication.

This season, individuals will see more trailers constructed with composite materials which are lighter, durable and simpler to tow with smaller sized vehicles.

The RV market is beginning to determine a good comeback in the tough economy.

Could it be a significant boom? No, Cannon stated. There has been a stable rise in RVing and also the building and selling of RVs.

The rebound perform towards the advantage RV buyers this season.

The final couple years, people held onto their trades, Liberty RVs sales director Wiegers stated. There wasnt lots of new buyers available. We’re beginning to determine a sizable increase of buyers arriving to see the economy rebound, so that they are returning to their trade cycle.

That’s particularly true with families who’re returning to vacationing together. Because they do, they’re searching to upgrade their unit simultaneously.

Meanwhile, manufacturers will also be attempting to satisfy the needs and wants of consumers.

Wayne Brown, sales director of Lifestyle RVs in Grain Valley, stated bigger trailers have become a principal residence for many people.

Increasing numbers of people are searching for any lower-priced lifestyle, Brown stated. With higher credit, one could purchase a residential fifth-wheel for between a $300-a-month payment as much as something in additional than $600 per month, with respect to the amenities.

Things You Need To Know About Installing A New Garage Door Motor

When it comes to garage door motors, the saying ‘Local is lekker’ certainly fits the bill. It doesn’t matter what motor you buy, eventually it will need a repair, and when that time comes you want to have purchased a motor with good backup support, and long-term sales of parts and spares. Cheap Chinese imports are constantly on the market, their lower prices may be attractive, but when no spares are available for a simple problem, it means buying a whole new machine. The truth is that all garage door motors have parts made in China, but there are more well-established companies that assemble their motors here in South Africa, and/or have offices in most major cities. So do your homework, or call us to find out more about the good, the bad, and the ugly.

Battery Backup:

Let’s face it, we’ve all been left stranded in some way or form by our friends at Eskom, and the truth is that load shedding is here to stay, on and off, for the foreseeable future. So what can you do to ensure you don’t get trapped in or out of your garage? The first option, and a necessity with any automated door installation, is to have an emergency release mechanism installed. An emergency release mechanism is mounted into the curtain of the door, with a key hole facing outwards. A steel cable is then run from this mechanism to the motors emergency release leaver. When the power goes out, you’ll need to insert your key into the mechanism, give it a twist, and a pull, and this will in turn pull the steel cable and release the door from the motor. Although emergency release mechanisms are highly effective, they still require you to leave the comfort of your car or home in order to unlock the door, and then you will have to physically lift the door by hand. This can be problematic if the door is very heavy, and if it doesn’t want to stay in the open position, you’ll need someone else to hold the door open while you move your car.

The second option is to have some sort of battery backup system powering your garage door motor. This allows you to stay comfortable and safe in your car or home, but still able to access your garage during power outages. Just like gate motors, your garage door motor will need to automatically switch between 220v and 24v, and have the ability to charge your batteries while 220v is on. Unfortunately not all motors are designed to work off 24v, and all older model motors will fall into this category. Motors like the Digi 2, Gemini, Brano, Alladin, or the Pro Alpha 2000 are all 220v motors, and are therefore not compatible with 24v battery backup. Advanced UPS systems with the use of inverters can be utilized for these motors, but the expense of these systems are far too high to warrant going this direction. So unless you have a battery, charger, auto switch, and inverter setup currently running other devices in your house, then the only other option is to purchase a new model 24v garage door motor.

Modern 24v motors actually have a higher power rating than older 220v motors, they also have built-in battery protectors, auto switch functionality, auto close option, extensive sensitivity settings, and auto charging. Not to mention a one year warranty, and most come with two new remotes. Contact us today to learn more about battery backup in garage door motors, and to find out about our free door service when purchasing a new 24v battery backup motor.

Which motor do I use for which door?

The various types of garage doors work in different ways, so the manner in which they open and close is important to consider when deciding which motor you get, and how it is set up.

Roll Up Doors:

Require either a vertically mounted motor such as the Digi 2, or a shaft mounted motor such as the ET Blue Roll Up Motor. As mentioned above, the Digi 2 cannot accommodate conventional battery backup, but it’s a strong and reliable motor, and can even be used to operate two roll up doors simultaneously. Using a strong wormdrive mechanism much like a cork screw, this tried and tested motor has managed to outlast the competition, and I have even come across a few that are pushing on 20 years in operation.

The shaft mounted motors can only operate one door at time, and are not suited to large double size roll up doors, or very old stiff doors. However when used with new doors or those in good working condition, shaft mounted motors like the ET Blue Roll Up can give many years of battery assisted, silent, and smooth operation. An added bonus is that this motor comes with two very good quality remotes.

Sectional Garage Doors:

Sectional garage doors vary greatly from door to door. However, regardless of the size of the door, or materials used, every door should open smoothly, and without too much effort. Steps should be taken to check the door, and fix any issues before a motor is installed. This will ensure your motor is not put under too much strain, and will prolong it’s life greatly. A variety of motors are available for sectional garage doors, but they all work in exactly the same way, unlike with roll up doors. Selecting the best combination of power, compatibility, features, price, and backup support, is our specialty.

Tip Up Doors:

Tip up doors operate in a manner that is a little awkward for motor installation. The motor shaft needs to be hung at an angle, sloping towards the ground. This allows for the natural action of the door while opening and closing, and ensures a smooth operation. Some of the older tip up doors operate with counter-weight mechanisms, instead of the more modern spring setup. These counter-weight doors cannot be automated, as the door needs to be pulled/pushed at different angles through its operation. It is however, possible to upgrade the door to a spring mechanism, and then automate the door as usual.

Extra Height / Caravan Height Doors:

Different length motor shafts are available for doors that are higher than usual. If you have an extra height door and need some advise on automation, why not give us a call and we’ll come inspect, measure, and provide you with a free quote for your new motor.

Interpreting Your Auto Motor Compression Tests

Auto cylinder compression tests and testing can be the simplest, easiest and overall quick evaluations of the condition of the motor in a vehicle that you can do. On top of that compression testing of an auto engine is fast, cheap and what might be called “noninvasive” that is you do not have to take apart half of the engine.

Yet many inexperienced and backyard mechanics often do not know the first thing about interpreting results of compression tests. They may know how to complete the full test – yet really are in the dark about what results mean.

First – take the time and effort to compare the compression readings with the car makers’ specifications and specs. These can be obtained either from the manual, a source book, online at the auto manufacturers’ website or as a last resort your neighborhood garage mechanic or dealership service department. Basically your readings should be within the tolerances allowed.

In the situation and event that your engine does show low levels and readings of compression. That is less than 100 psi (pounds per square inch) or alternatively high compression readings, then you can almost count on the eventuality internal engine repair work is probably necessary and most likely is around the corner. If the compression testing was done as standard workup in routine maintenance and you were considering an automotive motor tune-up, then it may well be a good use of time and your resources to lay that idea aside. Go work on another vehicle.

If the compression readings are low or uneven in any of the motors’ cylinders, a mechanics tip is to add a tablespoon of engine oil through the spark plug openings of the affected cylinders and then recheck the compression. If the compression readings improve, then it is most likely the case that the cylinder valves are probably “sticking”, seated poorly or alternatively burned. The experienced owner of a string of auto dealerships whose practical expertise in the auto and auto body shop industry states that in his experience valves are bad ten times more often than rings. If the compression is low in two adjacent cylinders, the cylinder head gaskets between these cylinders are mot likely blown. Alternatively high compression readings usually indicate a buildup of carbon deposits in the compression chambers of the cylinder of the engine.

Lastly when you have finished testing the compression, turn the ignition switch off and remove any instruments with which you have lodged or held the gas pedal in the open position. You now not only have completed the full compression testing but also are a much better situation to understand and comprehend the meaning and significance of results obtained.

Luxury Motor Plans

To fully enjoy the power, freedom and exhilarating driving experience of luxury motoring – motorists need the peace of mind that comes with a luxury motor plan.

Knowing that, should it prove necessary, their car will be serviced and maintained at no cost to themselves, takes away the worry of owning a luxury vehicle and puts the drivers mind where it should be – enjoying the open road.

Maintenance Plans

A luxury maintenance plan absorbs all maintenance and service costs, with the only exceptions being between-service top-up of fluids, fuel, cracked or broken glass, and tyres.

Innovative auto motor manufacturers of luxury vehicles typically include these maintenance plans as standard on their vehicles for up to five years or 100,000 km. Top-up options to extend maintenance plans are available for up to 200,000 km or five years.

These maintenance plans are designed for easy operation on the part of the owner who can affect regular servicing and maintenance and repairs by making an appointment with any of the approved servicing dealers of the luxury vehicle in question.

A relevant service department will then handle all the work while liaising directly with the vehicle owner’s Luxury Motor Plan Maintenance Unit, meaning that no extra effort or payment is required.

Luxury motor plans are transferable as the plan is registered with the vehicle should the vehicle be sold to a new owner before the maintenance plan has expired.

This provides added resale value and is also available in addition to standard one-year/unlimited distance vehicle warranties. The luxury motor plan can even – subject to certain exclusions – cover any repairs necessary after the expiry of the standard warranty.

Pre-owned Freeway Plans

Even pre-owned vehicles can benefit from a comprehensive maintenance plan which covers services, wear and tear items and certain repairs.

Innovative car manufacturers who are aiming to maintain high standards of quality, give drivers added peace of mind that their pre-owned vehicles will receive the same servicing and maintenance when necessary. These comprehensive plans are included on all their pre-owned vehicles for 1 year/25 000km or the remaining balance of the existing freeway plan.

Additional Value Services

Along with value and benefits provided with a vehicle’s maintenance plan, additional value added services are also available to take any lingering doubt out of the luxury driving experience. Services, such as on the spot roadside assistance by fully equipped and trained technicians, are also available, as well as a range of innovative insurance options.

There can be no better motoring peace of mind than knowing that your car will be taken care of by the very same people who put such care and consideration into its construction. This is the value of a luxury motor plan that is as innovative as the vehicle it covers.

Crony Capitalism – How Bad Has It Gotten In The US?

We all know the problem of the revolving-door in our political leadership and bureaucracy. Folks are in and out of government, keep their contacts and make a fortune from the known reality: it’s not what you know but whom you know. The problem with all this is exactly what Adam Smith warned us about; the incestuous relationship between government and business. Corporations in the US are large and powerful, and have and hire the best talent, retain and control endless resources – these corporations do not NEED government favors, nor does their executive leadership, they are doing fine.

To secure the most optimum efficiency in our economy, we must keep the free-market as free as possible, when we allow a skew due to political favors or inside information, or allow lobbyists to the run the table, often at the expense of the people all we do is prove the cynics correct that; the game is rigged. Perhaps this is why Donald Trump has promised to; Drain the Swamp. And, he’s human too, I have no doubt he will drain the left-side of the swamp first, but it’s still a good start. The trick is to set a new set of rules, lay down the letter of the law, and move forward.

In Harvard Business Review, December 2013 Issue, there was an interesting article titled; “Unwinding Inequality” and in that article was a quote by Angus Denton; “When people use their success to change the rules in their favor, that success is no longer to be celebrated.”

“Yes,” I say, “Indeed.” But let’s take this argument to a higher level shall we. First, I find it rather hypocritical to read of this in the Harvard Business Review, as most there believe in the concepts of Adam Bellow who wrote the book “In Praise of Nepotism” which might explain why all the Supreme Court Justices went to Ivy Leagues, Harvard or Yale, some both. Worse, look at the academic records of the last 5-presidents of the US, and a darn good many senators, and heads of major bureaucracies, corporations and NGOs.

Second, if we dissect that quote, it talks about “success” and the concept of changing the rules once one, a group or corporation gains in the synergy of their own success. Well, isn’t this really the same challenge with guerrillas or terrorists attacking the status quo, authority and government – if they succeed, they are then in control and then they inevitably seem to use the same so-called tyrannical methods of ruling that their predecessors had before they ousted them – thus, the word “revolution” as it just goes round and round as another group comes along to then unseat their new authority.

Now, one can see a similar process in business and industry. For instance, read;

1. “Rule Makers and Rule Breakers,” by David Garnder
2. “First Break All the Rules,” by Marcus Buckingham and Curt Coffman
3. “The Innovator’s Dilemma: The Revolutionary Book That Will Change the Way You Do Business,” by Clayton M. Christensen

Once the company garners market share synergy, and industry status, it moves to change the sector’s associations to lobby to get the rules and regulations changed to its way of doing things blocking future disruptive competitors from coming along to change the industry just as they had to get to where they are today.

The easiest way to do that is through crony-capitalism, campaign contributions, public-private business partnerships, which also leads to selling goods and/or services to the government and secure a free flow of money to further continue their dominance by playing with the political elite – who all went to Ivy League schools. Thus, I find it so fascinating that HBR (Harvard Business Review) had the gall to even publish that article – due to the obvious hypocritical nature of the norm which comes from that elitist institution. Please consider all this and think on it.

How to Find Low Cost Motor Trade Insurance

To begin with it is important to remember that all types of business in the auto industry could be saving money on their Motor Trade Combined insurance and liability insurance premiums. From body repairers and MOT stations to paint sprayers and companies in vehicle sales, help could now be at hand.

And regardless of your companies size and budget, if you follow these very simple but extremely effective tips, your Motor Trade Insurance premiums could be lower than ever before. And all without having to sacrifice on cover, service and the excess or deductible you pay.

The first Motor Trade Insurance tip is therefore to use an insurance broker or insurance company who actually understands your needs. Buying a one size fits all insurance policy may save you a little time in the beginning when getting a quote but does it really give you the cover you need? Ideally what you need to do is actually make sure you use a company or insurance broker who understands what you need, can offer you advice and guidance aimed at reducing your exposure to risk. These experts can be found and very often have access to policies, schemes and facilities that are simply unavailable from other insurance providers. They should also be able to tailor a policy to your specific needs whilst at the same time saving you money on your motor trade insurance premiums.

So if using a Motor Trader Insurance specialist is most likely to result in getting you the right insurance cover for your Combined Motor Trade Insurance for less, how can you find out who these Motor Trade Insurance specialists actually are?

The internet has made the job of locating experts or specialists in particular types of insurance much easier as a simple search using a search engine like Google, Yahoo or MSN is likely to yield a list of specialists for the type of insurance you are looking for. You do however need to be careful that the company saying they are experts for Motor Trade insurance is as there is no guarantee that they actually are. It is therefore probably best to pick up the telephone and actually ask them a few questions. Asking them questions rather than waiting for them to ask you questions is a great way to establish if they really are experts and know what they are talking about. Things to ask might include asking which insurance companies they use and how long have they been providing motor trader insurance. If you do this then your chances of finding the right Motor Trade insurance for your business is likely to increase whilst at the same time your premiums actually come down in price.

Another tip that could help pay less for your insurance is one may not seem right at first but if you give it a go and there is every chance it may work. The second tip when it comes to saving money on your Motor Trade insurance is therefore to be totally honest when you are asked what premium you are paying for your insurance at the moment. Most motor traders when asked such a question by an insurance company or insurance broker feel that they should not tell them or simply make up a price as they think they will not get the best price otherwise. The truth is you are far more likely to get the best quote if the company you are speaking to has a price to beat.

If you follow these 2 simple but highly effective tips there is a very good chance the price you pay for your insurance will come down in price. Give it a go and see if it works for you and make sure you pay less for your motor trade insurance in the coming year.

Auto Parts, The Pros and Cons

Auto Parts, is a collective term that is used to describe the components of an automobile. These parts, can either be supplied by the original equipment manufacturer of a particular vehicle, or an entirely independent engineering firm that specializes in the manufacture of mechanical parts for various makes and models of autos.

Motor vehicles are so affordable these days that most auto owners trade their vehicles every two or maybe three years. The upside of this practice is that commuters have a modern, reliable mode of transport, they keep abreast of the latest technology and their vehicles seldom, if ever, require spare parts.

Auto parts are quite expensive, particularly genuine OEM parts, and there are other costs to consider such as, workshop charges as well as alternative transport costs while the auto is being repaired. Even if the repair work is be performed by the auto’s owner, there is still the cost of time and inconvenience that must be considered.

The advantages of having replacement auto parts fitted by a mechanic at a workshop, apart from the fact that you, the auto owner, won’t get dirty hands, is that the work is done by a professional, is fully guaranteed and your time can be spent more productively. The only disadvantage being the cost of auto parts, particularly if your repairer uses genuine OEM parts, then you will be paying top dollar for the parts.

Auto owners that are fortunate enough to have a degree of mechanical knowledge and a workshop equipped with the necessary tools to carry out repair work, can save quite a deal of money by purchasing auto parts at the many discount outlets that are available. Apart from auto accessory warehouses, there are other outlets to be found on the Internet such as the many private distributors to be found on Ebay.

There are also many wrecking yards that carry a huge range of second hand auto parts that are favorably priced. Some of these parts are near new, having been gleaned from auto wrecks involving late model autos. If you are a DIY enthusiast, then wrecking yards are the places to look for your replacement auto parts.

There are two trains of thought being presented here.

People that have little mechanical knowledge, or those, whose interests lie in other areas will, naturally, tend to replace their auto regularly in order to have a reliable means of transport, as well as be able to keep up with modern trends. These people will substantially reduce the risk of time consuming breakdowns, loss of income and the added expense of costly repairs.

On the other hand, those people who have the expertise and the facilities to carry out their own repair work at home, can maintain there current model auto for years to come which, will still possess the reliability of the latest model.

People of today are fortunate that auto parts are available.

In past days, when one’s auto broke down the availability of auto parts was limited, it was a case of manufacturing an alternative part or walking away from the vehicle.

Auto Repair and Our Life

Auto engineering is one of the most growing fields now days. One of the major facilities for the transportation with the cities and even within the countries is the auto motors. Every one cannot fix the problem of the auto motors so that it needs the professional to fix that. In every state of the America and even in the Canada there are several points and companies which can solve these weird problems of the people.

There are several different types of motors which are moving on road which are manufactured by the different companies so that these companies took a step forward for solving this step. Some problems are very common so that companies recognize and write in the auto manual so that customer can solve that by his or her own self. As winter are hard in American and Canada so that auto mobiles engines make the problem because the petrol may freeze somewhere in the machine which can cause the problem. Solutions of such problems are given in the manual so it is recommended to every user to read manual of machinery before using it.

Some non companies also open workshops to solve problems of people machinery. Today people are mobile means move here and there through auto motors. Sometimes due to the carelessness of users cause the big problem in the machinery. There are tutorial about repairing some machinery which is readily available on internet. These tutorials are very helpful in solving the small problem.

Some repairing companies also marketed that they will repair any machinery anytime and anywhere in the State and Canada. They provide repairer where ever they people need. Auto repairing is one of the most difficult tasks because in this one should have to identify the problem first and then find the alternatives. Companies which made auto mobiles also made the spare part of same machine in heavy amount. Because companies also analyze that these spare parts will earn a great part of revenue in future. Every part of machinery has some life after which it have to change.

Auto repairing on time can save the user from accidents. People repair their machinery from many non professional in some under developing countries. Which is causing big issues for them and for their machinery? People in these countries are suffering from such non genuine repairing of their auto mobiles. Japan is one of biggest manufacturers of auto mobiles and spare parts which are used in almost every type of machinery. Germany is also producing long lasting and genuine spare parts which can be used in the machinery.

Use genuine and quality parts while repairing anything so that it would work more and you can avoid the repairing. Read the manual before replacing part in machinery. Use machinery carefully so that it’s working time can increase. Maintain your machinery time by time. Dose not over use it ever.

Luxury Motor Plans

To fully enjoy the power, freedom and exhilarating driving experience of luxury motoring – motorists need the peace of mind that comes with a luxury motor plan.

Knowing that, should it prove necessary, their car will be serviced and maintained at no cost to themselves, takes away the worry of owning a luxury vehicle and puts the drivers mind where it should be – enjoying the open road.

Maintenance Plans

A luxury maintenance plan absorbs all maintenance and service costs, with the only exceptions being between-service top-up of fluids, fuel, cracked or broken glass, and tyres.

Innovative auto motor manufacturers of luxury vehicles typically include these maintenance plans as standard on their vehicles for up to five years or 100,000 km. Top-up options to extend maintenance plans are available for up to 200,000 km or five years.

These maintenance plans are designed for easy operation on the part of the owner who can affect regular servicing and maintenance and repairs by making an appointment with any of the approved servicing dealers of the luxury vehicle in question.

A relevant service department will then handle all the work while liaising directly with the vehicle owner’s Luxury Motor Plan Maintenance Unit, meaning that no extra effort or payment is required.

Luxury motor plans are transferable as the plan is registered with the vehicle should the vehicle be sold to a new owner before the maintenance plan has expired.

This provides added resale value and is also available in addition to standard one-year/unlimited distance vehicle warranties. The luxury motor plan can even – subject to certain exclusions – cover any repairs necessary after the expiry of the standard warranty.

Pre-owned Freeway Plans

Even pre-owned vehicles can benefit from a comprehensive maintenance plan which covers services, wear and tear items and certain repairs.

Innovative car manufacturers who are aiming to maintain high standards of quality, give drivers added peace of mind that their pre-owned vehicles will receive the same servicing and maintenance when necessary. These comprehensive plans are included on all their pre-owned vehicles for 1 year/25 000km or the remaining balance of the existing freeway plan.

Additional Value Services

Along with value and benefits provided with a vehicle’s maintenance plan, additional value added services are also available to take any lingering doubt out of the luxury driving experience. Services, such as on the spot roadside assistance by fully equipped and trained technicians, are also available, as well as a range of innovative insurance options.

There can be no better motoring peace of mind than knowing that your car will be taken care of by the very same people who put such care and consideration into its construction. This is the value of a luxury motor plan that is as innovative as the vehicle it covers.

Motor Vehicle Accidents – Checklist From Lawyers

Car accidents can have complicated deadlines, which if you are not careful in observing, can mean the loss of benefits. Normally you have three years to sue a private party for your auto accident injuries but there are some shorter deadlines.

For example, and very importantly for no-fault benefits (that is your own car’s insurance that pays your medical bills or if you are a pedestrian the insurance on the car that hits you) you have only thirty days to file your application with the correct insurer to collect payment for medical expenses and loss of earnings of up to $50,000.00. If you are one day late you lose the right to these benefits. That’s why it is important that you make sure you immediately identify the correct insurer. And if in doubt, file with them all. You can sort it out later.

Uninsured or under insurance coverage is insurance that you can purchase on your own car to protect yourself if you are in an accident with a vehicle that does not have enough insurance. Under insurance can act as an “excess” liability policy to the other vehicle and we very strongly recommend purchasing it.

Excess no-fault benefits are also very beneficial. Although the State mandates that you must have at least $50,000.00 in coverage, you can purchase additional coverage. Again, look at your policy language – or have your auto accident lawyer do it to send everything, do this right away.

What if the car that hits you is, for example owned by the New York City Department of Parks or is a State owned vehicle or is operated by an employee of the Triborough Bridge & Tunnel Authority. (There are numerous different public authorities -these are just examples). Don’t wait because you think you have three years to bring the suit. If you do – you are mistaken. Municipalities, public authorities, and other public agencies all have very short statutes of limitations. Also before you can even sue, you must have first served a Notice of Claim, often in as short a period as 90 days from the date of the occurrence (and in some cases less than 90 days). It you fail to comply with these notice provisions, you lose the right to sue.