Factors to Consider When Selecting Your Car Insurance Provider

Life is never without risk, and the saying often goes that a life without risk is a life lived unfulfilled. But what do you do when life throws you a curveball? This is where an insurance policy comes in. You’ve read about them, you’ve seen a ton of commercials selling one insurance company or another. At this point, you’ve got choices. But how do you actually pick, be it for a life or non-life insurance plan? Table of ContentsUpfront costsCompany stabilityGet a Free Car Insurance Quote!Claims processing Upfront costs With information at everyone’s fingertips these days, one of the first things that come to mind is “What fits my means?” The cost that you would have to deduct from your monthly or yearly income or the amount you will pay to the insurance company or insurer. Ask yourself which insurance company provides you with the best rates at the best plans and coverage as aligned with your financial health. Read more: What Happens If I Stop Paying My Car Insurance? Company stability Consult an insurance professional, agent, broker or comparison sites. Read reviews and research on the yearly ratings. Which companies topped the list in terms of net worth the past fiscal year? Get a Free Car Insurance Quote! Compare different car insurance companies, their features, and your options from the list below. Learn how an online broker like Moneymax can help you get the best auto insurance deal. Claims processing Once you’ve selected the plan and the coverage that suit your needs and costs, acquiring compensation – or indemnification…

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Pinoy Celebrities Involved in Car Accidents

Not all road accidents in the Philippines are reported by the media, and not everyone involved in car mishaps gets to be in the news. In order for a car accident to be qualified as a news story, either the tragedy must be odd, intriguing or devastating, or a famous personality is involved. And when a celebrity is tagged in the event, the severity gets even further magnified. Let’s look back at some Pinoy celebrities who got into vehicular accidents: Table of ContentsAlyssa AlanoAJ PerezAngelica PanganibanLino BrockaSharon CunetaRichard Gutierrez Alyssa Alano TV host Alyssa Alano was seriously injured after figuring in a predawn road accident in Marikina at dawn of October 2012. The Everest-type SUV that she drove was wrecked after hitting the center island of Marcos Highway near the SM Marikina area and spun. At least four other people who aboard a Honda sedan hit by Alyssa were also hurt. Rescue teams extricated Alano from her SUV. Read more: Killer Highways: 10 Most Accident Prone Roads in the Philippines The Consequences of Not Getting Car Insurance INFOGRAPHIC: Quick Guide on Philippine Car Insurance 7 Types of Car Insurance Claims You Can File in the Philippines AJ Perez The 19-year-old fresh-faced actor was declared dead due to multiple head and neck injuries as a result of a car accident while on the way home from a Star Magic show in Dagupan, Pangasinan in April 2011. The car he was in collided with another vehicle along MacArthur Highway in Moncada, Tarlac. AJ’s corneas were later donated to two different recipients not long after his…

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Checklist: Getting Your Car Ready for a Long Road Trip

Toward the end of the year, a lot of people take the time to travel to their hometowns to visit parents or relatives who live across the country. If you’re thinking of doing the same, you may consider driving instead of shelling out a lot of money to pay for flight tickets for the whole family. And road trips can be a lot of fun, whatever your reason for going: holidays, special occasions, a relative’s birthday, and a well-deserved vacation, among other things. Read more: The Ultimate Travel Checklist: What to Pack for Your Next Trip One of the worst things that happen during a road trip is for your car to break down on a busy highway. Having to need repair your car on your road trip isn’t just a hassle, it’s also bound to create a big dent on your wallet. Don’t let a car problem ruin your road trip! Get your car prepped and ready before you take a long road trip. Here’s a quick checklist of the things you need to do before you hit the road: 1. Check your tires if they have the proper air pressure, and if the treads haven’t worn out. Be careful of rough roads. They can puncture your tires. 2. Check your fluids. Old coolant fluid can be corrosive, and will be harmful to your car. Flush out the old fluid and replace with fresh fluids. Don’t forget about your brake fluids, engine oil, transmission fluids, etc. Top off fluids that are low, so you won’t have to stop on a…

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INFOGRAPHIC: Quick Guide on Philippine Car Insurance

It may be an added expense for car owners, but signing up for a car insurance plan in the Philippines lets Filipinos save time and money especially in times of calamities.

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Parent’s Guide to Child’s Car Safety

One of the perks of owning a car is regular family bonding trips. But for those who have babies and toddlers with them, there may be a big issue. There are lots of products for baby gear for cars like car seats, and booster seats.  If you’re able to provide for a modern and safe car, your child’s safety deserves the same kind of thoughtful consideration, too. Table of ContentsLet them sit in their own place.Don’t use adult seat belts.Let your child sit on the back seat.Drive defensively.Be a good example for your child.Don’t drive fast especially when you’re with your kid. Let them sit in their own place. We have been taught to believe that letting our children sit on our laps while inside the car makes them safe.  We thought our arms can substitute as their seat belt – but we are wrong. If you continue to let them sit on our laps, you are inducing more harm. The car may not crush him, but your body might. Don’t use adult seat belts. If you use adult seat belts to children, sometimes, it rests on the child’s face or on his neck. This slips the shoulder strap under his arm or places the shoulder strap behind him. Some of us just leave the lap belt on. If the lap belt is the only one lock on the child’s body, his upper body does not have any support to keep them in place. Only kids nine years old and above should wear a car seat belt but should always…

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Tips for First-time Filipino Drivers

Being able to drive for the first time is a blend of anxiety and thrill. The latter keeps you going while the former keeps you guarded. First-time drivers must need enough courage to actually drive on the horrible Manila traffic but always keep in mind some basic rules and things that they need beforehand. We suggest reading through the following even if you have your car insured: Table of Contents#1 Keep your hands on the wheel#2 Stop touching the radio#3 Do not use your mobile phone#4 Wear your seat belts#5 Stay on your lane#6 Seek for help #1 Keep your hands on the wheel You think it’s pretty simple, right? But first-time drivers are quite conscious of keeping their hands still and proper. Before actually leaving your driveway, make all the necessary adjustments on the mirrors, your seat, etc. to prevent you from keeping your hands away from the wheel and your eyes on the road which is always dangerous. #2 Stop touching the radio For sure, having the perfect soundtrack while driving makes the heavy traffic and long trips bearable, but it could also be risky. In relation to Tip #1, focus on driving can keep you away from any danger. It is also recommended to turn off your radio on your first few times behind the wheel – get to know more important things before focusing on the add-ons. #3 Do not use your mobile phone Legally, you are not allowed to use your phone while driving. It’s as dangerous as driving drunk. As much as possible, turn…

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Basic Car Brake Troubleshooting You Need to Know

One of the known causes of reported vehicular accidents is the loss of brakes. Your brakes are one of the most important parts of your car. So whenever you’re uneasy with it, you need to do some troubleshooting right away. Just in case that calling your car insurance provider is not possible at any moment during this extreme emergency case: Table of ContentsBrake pedal goes too far to stopBrake boost power is badBrake pedal is too firmBrake line is obstructedBrakes grabbing or pullingVibrating pedalDragging brakesBrakes make squealing or whining or clunking sounds Brake pedal goes too far to stop When you step on the brake and it feels like you’re going too far down, check your brake fluid. If it’s low, top it off to the mark on the side of the reservoir. It can also be because the brake fluid is polluted. Air can enter through the smallest hole. There’s no way to check for this, but to replace it with new fluid. Worn brake pads could also be the cause as it should never wear low enough to cause your brake pedal to feel low, they’ll scream at you before then. But if they do get very low, replace your brake pads as soon as possible. Brake boost power is bad If your brake booster goes bad, you’ll have low brake pedal issues. Since brake boosters are controlled by vacuum, you need to check the special vacuum measurement device that connects to the brake booster. Read more: Killer Highways: 10 Most Accident Prone Roads in the Philippines 5 Craziest Car Accidents People…

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World Car of the Year is Here

Despite stricter Bureau of Internal Revenue (BIR) compliance regulations on luxury items, the newest member of the Audi lineup is here! Value for money is the main goal of this Audi’s new release. For most vehicles with both gas and diesel variants, the gas-powered usually comes the cheaper and the ones with the diesel engine comes with a higher price – not so with A3. It may be the smallest and most affordable sedan in the Audi lineup, but it never gives the feeling of ‘cheap’ as compared to its expensive siblings. All models come with LED daytime running lights, xenon headlamps, and Audi’s infotainment system. The New A3 is bigger, longer and wider – more than adequate as a car for the family. Read more: 5 Car Games That You Can Download for the iOS and Android Why We Like Fast Cars 10 of the Most Durable Car Models Driving position is impressive with electronically adjustable seats in 10 ways, allowing different sizes of drivers fit comfortably. The dashboard is simplified with a large MMI LCD that displays out of view slides to improve road visibility. The trunk is deep that any large and long objects could fit. Safety is a priority so the A3 comes with six airbags: 2 in front, and side curtain airbags as well. Plus, anti-lock brakes and front brake pad wear indicator, among others. There are three available variants in the market from its launch: the A3 TFSI petrol, the A3 2.0 TDI Attraction and 2.0 TDI Ambition. It’s no surprise that the Audi A3…

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What You Should Do During a Vehicular Collision

When you’re on the road, you are more susceptible to danger. Road troubles may lead you to confusion, stress and cramming. It is really hard to think during these scenarios, so help yourself and lessen the stress from unfortunate events by taking the right steps: Table of ContentsDo not panicStay putTake picturesTake fundamental notesFile an accident reportCall your car insurance provider Do not panic Calm yourself and conduct a thorough self-check. Make sure that everyone in your car is fine and free from possible medications. If ever, ask for help on first-aid or ask for assistance on the nearest hospital. Otherwise, keep calm and talk to parties involved. Avoid picking up fights, too as it won’t lead anywhere but wasting time. Read more: The Most Expensive Cars to Insure in the Philippines Top Causes of Road Accidents in the Philippines Stay put Do not move your cars; let it be in its last, same position as it was. Full-stop and don’t make any moves on your car. This is to help you, all the parties involved and the authorities on gauging whose fault is what. Take pictures Capture evidences that will give everyone the overview of the whole incident. Take photos in such manner that it could help you narrate the whole accident. These photos will help you on your car insurance claims and disputes if there is any confusion and misunderstanding. Read more: The Importance of Car Insurance: 6 Benefits for Car Owners Take fundamental notes Take down information such as names, addresses, contact information, driver’s license number and plate…

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