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As the old saying goes 'prevention is better than cure'. There are several things you can do to deter would be car thieves from making off with your beloved vehicle. Using common sense is definitely your first line of defense. Lock your doors and do not leave your keys in the ignition or in the vehicle. This will already deter opportunistic thieves. Having a car alarm or some other alert system in your vehicle may also chase off thieves when they try breaking in. Most cars with central locking come with an alarm installed. Installing an immobilizing device has proven extremely effective in preventing theft and in recovering stolen or carjacked vehicles. And finally, a tracking device will actually lower your insurance premium due to the increased chances of finding a stolen car with this type of device installed. In fact, some insurance companies insist on their clients installing a tracking device before they will cover them. This devices and safety tips will decrease the probability of your car getting stolen in the first place and could assist in getting your car back in the event of a theft.
Working on the assumption that you already have taken out insurance on your vehicle, there are a number of things to be considered in the event of your vehicle being stolen. Since you already have insurance, you need to gather all the information you will need to file a police report. This will include information like VIN numbers and chassis numbers. You will also have to notify your insurance company for the claims process to begin. Insurance companies will require a case number for the police report, so that will be where you begin. It is essential to be as truthful as possible about the circumstances around the theft as errors in your statement my result in your insurance claim being turned down. Full car cover waterproof outdoor indoor for auto car SUV all weath....
A common trap that most people fall into when buying insurance is simply opting for the cheapest option quoted. That could potentially leave you with very big problems in the event of your car being stolen. Rental coverage, which provides for a rental until your claim is resolved, is often an extra that many people neglect. The added cost is usually minimal and amounts to less than a day's vehicle rental per year. Add to this the fact that most insurance companies have a waiting period of weeks before processing a claim in the hope that the vehicle is recovered. If your car gets stolen, that could really hurt your budget if you need to rent something until the claim is resolved.
It is also recommended that you go through your insurance policy at least once a year to ensure that you are adequately covered. When going through your policy, also ensure that you have adequate savings to pay for your excess in the event of a claim. The excess is often very high, especially in the event of theft or car-j****** so having a savings account with sufficient funds to cover these expenses is a really good idea.
How to Choose the Right Car Seat
A baby's tiny world begins to unfold from the time she takes her first ride in the world outside. A happily gurgling baby safely tucked into a car seat with a view of the scenery beyond the window is an utterly delightful sight.
However, getting the right car seat is not always a well-researched decision by parents who want to get the cheapest, best and most long-lasting option in the market.
A low-down on the main considerations:
Rear-facing car seat
These are essentially meant for infants where the baby faces the rear of the car while riding. Paediatricians recommend that babies ride rear-facing until they are 12 months and weigh at least 20 to 30 pounds. These come with precise weight and height specifications to ensure maximum safety for its occupant.
The safest position to install this type of seats is at the center of the back-seat of the vehicle, using either the anchorage system of the car seat & belts with locking clips.
The main purpose is to protect the baby's vulnerable parts like the head, neck and spine from sudden stops or collisions.
Convertible or forward-facing car-seats
The rear-facing infant seats can sometimes double as forward-facing seats, meant for toddlers or babies above a year old and more than 22 pounds in weight. Typically, the baby is ready to face forward in his seat when the head height is just short of an inch from the seat's top edge.
The front-facing car seat comes with a five-point safety harness mechanism to constrain and secure an active baby in a way that any colliding force is distributed across the strongest body parts like the shoulder, hip and crotch.
They also have tether straps that hold the top of the car seat firmly and prevent the seat from moving ahead in case of a collision. It is hence vital to anchor the car seat very firmly in its base and attach the safety belts as per the specifications to avoid any casualties to the baby in front-facing position.
Booster seats are meant for older children above at least 40 pounds. Once the weight specification is crossed, the safest bet is to shift the child into a booster seat fitted directly on the seat of the vehicle.
The booster seats do not come with a seat base or harness belts. Instead they are attached to the seat of the vehicle and strapped using the shoulder belts, which hold both the seat and baby firmly in place.
The safest position to strap the booster seat in your vehicle is at the centre of the back seat. Positioning the belts is crucial, with the lap belt going across the hips (and not the tummy) and shoulder belts through the chest (and not the neck) in order to ensure the safest fit.
Apart from the baby's age and size metrics, there are other factors too, that can influence the choice.
Type of vehicle: Car seats do not fit into every vehicle model. The best approach is to take the floor model and try fitting it into your vehicle to check for fitment, anchorage and lateral leg space for free leg movements.
Ease of installation: Assembling or dissembling the car seat, converting orientation from rear to forward or simply making fitting adjustments is something parents just have to learn, and an easy mechanism is always helpful.
Ease of maintenance: The car seat is going to be the beneficiary of food crumbs, spilled liquids, throw-ups and a lot of stains. Hence, a seat cover that's easily washable is an added bonus.
Know your brand: Do check the technical specifications, installation instructions and recalled model data of various brands for your babies.