HowToDoThings.com Auto Financing & Insurance

How To Finance a Wheelchair Accessible Vehicle

Ashtyn198 — Wed, 13 Dec 2006 11:16:00 -0600

For people in wheelchairs, attaining a wheelchair accessible vehicle can be much harder than it is to attain a non-accessible vehicle. People in wheelchairs need special seating options. Even people with partial mobility will have to have modifications done to their vehicles in order to comfortably drive or ride in their cars or vans.

One of the hardest parts of securing a wheelchair accessible vehicle deals with financing. Due to the high cost of wheelchair accessible vehicles and the struggles that many disabled people face concerning employment and living on government disability or social security, for many, a wheelchair accessible vehicle is something they want but are just not able to afford without help.

How To Get Full Coverage Auto Insurance

Brad276 — Sat, 01 Jul 2006 20:09:00 -0500

The first thing that needs to be mentioned is that there is no such thing as full coverage auto insurance. Every insurance policy has limitations and exclusions for items such as wear and tear, maintenance and negligent actions by the insured. The term full coverage insurance is usually referring to a policy with the following coverages:

First party coverages.

Comprehensive-- This coverage is for damage caused to the insured vehicle by a loss due to something other than collision. Typically, this will be fire, theft, vandalism and weather damage.
Collision-- Collision coverage is for damage to the insured vehicle by a loss due to collision with another object.
Towing and Roadside Assistance-- This is usually a 24 hour coverage in the event of a mechanical or other problem with your vehicle.

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How To Get Auto Gap Coverage

Joshua281 — Thu, 22 Jun 2006 17:10:00 -0500

Gap insurance. Ever heard of it? I hadn't until I needed it. After being involved in a car accident that totaled my two-year-old car, I discovered that I was missing the most important type of insurance I could have purchased--Gap insurance.

Gap insurance covers the difference between what the insurance company says your car is worth versus what's left on your loan. When you're buying a new car or even a newer used car, this type of insurance is essential. Otherwise, you may find that you have several thousand dollars to pay off from your other car loan.

When you drive your new car off the lot, it will likely depreciate between 20% and 30%. If your $20,000 car depreciates just 20%, you may be out $4,000 if you have an accident as you pull out of the lot. Without Gap insurance, you'll have no protection nor any way to get back the money you will lose when the insurance company pays you.