Monday, August 10, 2020

Who Is Driving Your Vehicle

Do You Ever Let Someone Drive Your Vehicle ? If you own a vehicle, chances are you've let a friend or family member borrow it at least once. There are plenty of reasons to hand over the keys. Maybe you needed a relative to pick up your kids from school or you're helping someone get to work after their car broke down. Did you know that in the event of an accident... it's your auto insurance policy that would have to pay? The number one misconception about loaning out your vehicle is that if you let your neighbor borrow your car, an accident should go on their insurance because he or she was the one driving but in private passenger auto insurance, the coverage typically follows the vehicle, not the driver . Let's break it down. DOES MY CAR INSURANCE COVER OTHER DRIVERS? Insured drivers include: Resident relatives: Most personal auto policies provide coverage to the named insured, their spouse or domestic partner and any other resident relatives. So if someone is a member of your family and lives in your home, they're automatically an insured under your policy unless excluded. Domestic partners: If someone lives with you but isn't a relative, they are not named insureds under your policy. However, if you're living with a domestic partner, they can be added to your policy as a named insured but only if your relationship is the long-term, committed type - you share domestic responsibilities and have joint financial obligations. All you have to do is call your agent and let them know. They'll send out a short driver questionnaire and check your partner's driving record to determine eligibility. Someone with permissive use: If you loaned out your vehicle to a friend or neighbor, your policy generally will cover them - as long as you gave your permission. If they are a regular and repeated user of the car, they should also have coverage. The only exception is if a driver has been specifically excluded on your policy. Finally: If someone else is regularly driving your car, it's important to let your agent know. Chances are, anyone you let borrow your car will fall into one of these three categories. Car-Lotta reminds you that just because someone is covered doesn't mean loaning your car is risk-free.

Monday, August 3, 2020

How Ofter Do You Wash Your Auto

Have you ever parked your car at the office or grocery store only to come back and find that a ‘helpful’ citizen has written ‘please wash me’ across the back?
 
 It’s  funny when that message is on someone else’s auto, but it’s extremely disheartening when that mud-caked dust-adorned vehicle belongs to you.
 
With a busy schedule and seemingly more important things to do, washing your auto often falls by the wayside-

The general rule of thumb is to wash your car every two weeks or so. There are special circumstances that might increase or decrease that frequency.  If you keep it in a garage and only drive once or twice a month, such regular washing might not be necessary.

What’s important is that you take care of your vehicle—yes, even its outside. Washing your car frequently is a great and ultimately inexpensive way of protecting your investment in it.

Car-Lotta wants you to make sure you’re setting aside some time for routine  washes!

Monday, July 27, 2020

Doe Your Auto Insurance Cover Vandelism?


If you have the right auto insurance coverage, you’ll usually be covered in the event of vandalism. Comprehensive coverage can pay for damages that occur outside of a auto accident, such as vandalism, fire or theft, minus your deductible. Your deductible is the amount of money you will have to pay toward fixing or repairing your car before your insurance kicks in.
This coverage, as well as collision coverage, may be required by your lender if you still owe money on your auto. It’s optional if you own your vehicle outright. But given the cost of repairing a vandalized vehicle, you may find it unwise to go without it. Your local  agent can help you decide the amount of coverage that makes the most sense for you.
Repair costs will vary based on your vehicle’s make and model as well as the extent of the damage. Without the right protection, you’ll pay for those repairs out of your pocket.
Comprehensive coverage can help cover expenses to fix broken locks, windows and whatever else the culprit decided to smash.  Car-Lotta Car Sales reminds you to check with your  agent to see if your policy covers vandalism and what else you can do to protect your investment.

Monday, July 20, 2020

Has Your Auto Ever Been Vandalized?

 

Garage or no garage, vandals can always find ways to make a mess if they’re persistent. When your automobile  is covered in scratches and spray paint, there are steps you can take to help make the claims process as quick and easy as possible.
 
Take these steps to make sure you’re covered:
  • Document the scene. Record the damage with pictures, videos and notes. You may overlook important details in the heat of the moment, and they’ll come in handy with the authorities and your insurance company.
  • Don’t touch anything. Your car becomes evidence once it’s been vandalized, so be sure to keep things as they are. If you try to fix the damage yourself, it could make matters worse and affect the police report.
  • File a police report. Filing a claim without a police report may look suspicious to an insurance company. Call the police to get a record of the crime. Remember to request a copy for yourself to use when filing your claim.
  • Call your agent. Contact your insurance company to file a claim and be sure to submit all available information. They may send a claims adjuster to assess the damage. In that case, stay in touch with your agent so you know what your next steps are.
  • Get it repaired. During the claims process, you’ll need to transport your car to a safe place in the same condition you found it. If your car is unsafe to drive, have it towed to a body shop and leave any repairs to the professionals.
 
 
                               Car-Lotta Car Sales  wants to keep you informed

Monday, July 13, 2020

How Oftern Do You Disinfect Your Automobile??

                Do You Disinfect Your Auto  ?

The first step to cleaning and disinfecting your  vehicles interior is to choose the cleaning agents and materials. Depending on whether you have leather, cloth, or imitation leather upholstery, steps and cleaning agents will differ.

Steps for Cleaning & Disinfecting Automotive  Interiors


Vehicle interiors are built to be durable, hard scrubbing or using a rough cloth can cause scratches or even discoloration. A wipe with alcohol on hard surfaces and gentle circular cleaning on upholstery are the best bets for both cleaning and maintaining your car interior.

It is also very important not to use too much water on your seats. If cloth upholstery soaks through with water, it can get into the cushion beneath. This can cause the  mold  to grow and create  that musty smell you will recognize if you've left your car windows open in the rain.

If washing the seats of your car, it is best to wet a cloth or sponge with soap and water and wipe the seats. You do not want to leave excess soap or water, as it can take a long time to dry.  While Isopropyl alcohol can safely be used on non-leather seats, it is not an ideal cleaning agent for those surfaces unless you have imitation leather.

If you are not sick, and haven't had anyone sick in your vehicle, don't get too worried about doing this repeatedly. However, starting with a truly clean slate in your vehicle will certainly give you some peace of mind.

A common recommendation from experts is that once your car's interior is cleaned and disinfected, it is important to wash your hands before getting in from now on. This will help keep your car a clean place, and reduce the chance of a virus making it into your vehicle. The steering wheel is one of the dirtiest places in your car due to constant touching, and having clean hands will go a long way to keeping it in good condition after being disinfected.

Car-Lotta advised you that if you believe you have had someone with COVID-19 in your auto, you should disinfect and call your doctor for next steps. It is believed  that the virus can survive in the air for up to three hours, and on surfaces for much longer, so it is best to be cautious if you believe your vehicle has been exposed.

Monday, June 29, 2020

What Do You Keep In Your Automobile In Case Of A Break Down?

Summer heat can  wreak havoc on a vehicle and its function. The warm weather, hot roads, long  trips, and dry air combine to create a hostile work environment for your car. Here are a few things to consider as you hit the road during  hot summer months.

Checking your tire pressure is an important things to  do  — especially during the summer months. Hot tires on hot pavement is  a recipe for a blowout. If your tires are improperly inflated, the risk of catastrophic failure is even greater. Help prevent hazardous situations by checking your tires once a month and replacing them before they become dangerously worn.

Hot weather can also shorten your battery’s usable life. The extra vibration from summer trips can also damage your battery. It’s always a good idea to carry a set of jumper cables, or even a battery jump box, so you don’t get stranded. Check your car’s battery terminals for corrosion, and make sure the battery itself is  mounted securely.



 Low coolant levels can literally kill your engine. Worn hoses or a damaged radiator can allow coolant to leak and engine temperatures to rise. Keep an especially close eye on your vehicle’s temperature gauge during summer months to prevent  any overheating.
Every driver should put together a “summer breakdown kit”:
  • Water (one gallon per person)
  • Non-perishable snacks
  • First aid kit
  • Sunscreen
  • Emergency blanket (doubles as shade)
  • Flashlight or headlamp
  • Basic tool kit
  • Pocket knife and/or multi-tool
  • Duct tape
  • Tow strap
  • Replacement fuses
  • Cell phone charger
  • Jumper cables
  • Hazard signs and flares
  • Can of tire sealant
  • Shop towels or paper towels
  • Work gloves
 
Car-Lotta Credit and Car Sales reminds you to Drive Safe.... and enjoy your summer 


Monday, June 22, 2020

Ever Lock Your Keys In Your Vehicle??

WHAT TO DO IF YOU LOCK YOUR KEYS IN THE CAR

It can happen to anyone...A lockout. There’s no shame in calling for help, it doesn’t make paying a tow truck or locksmith any easier. After all, the last thing you want is an unexpected bill because of an honest mistake.
With a little preparation, you can have a backup plan ready to solve the problem yourself. So don’t let one forgetful moment ruin your entire day.
 
These methods to MacGyver your way back into your vehicle:
  • Keep a spare key. The quickest, easiest backup plan is to have access to a spare key. Stash a spare in your wallet or purse. Leave a copy with a friend or loved one who can come and save the day. Or consider concealing a door key somewhere on or under your vehicle using a magnetic “hide-a-key” box. If hiding a key, make a copy — don’t use an original. A copied key will allow you to unlock the door, but won’t start the ignition on most modern vehicles equipped with an anti-theft security system.
  • Unlock the car remotely. If you can’t get in on your own, many automakers now offer remote assistance services. Each manufacturer markets its own brand of service (such as OnStar, Sync, Blue Link or mbrace). But they’re all capable of unlocking your vehicle via satellite. If your vehicle has a connected car system, just call the number provided by your automaker to remotely unlock the door. Since some services are subscription-based, it’s always worth checking to see if this option is available and enabled before you really need it.
  • Remember your code. If you’re driving a car with a keypad entry, you may be in luck. Just enter your code and you’ll be inside with the push of a button. This technology can be found on most Ford, Lincoln and Mercury vehicles manufactured over the past 20 years — but it’s not widely used by other makes and models.
  • Make your phone a key. Many new cars with remote assistance services also include smartphone capabilities. It may be an expensive feature, but it can turn your phone into a spare key with nothing but an app. Ask your dealer for details or check out your automaker’s website to see if and how you can utilize this high-tech option.

WHO SHOULD YOU CALL FOR HELP?

If you can’t get into the car on your own, you’ll need to call for help. There’s no need to worry. It just might take a little longer to unlock the door, since you’ll have to wait for assistance. If you’re not sure who to call, here are some services to add to your contacts:
  • Roadside assistanceIt’s an optional coverage that’s easy to add to your auto insurance policy and only costs about $5 per vehicle per year.
  • Towing companies: If you don’t have roadside assistance, you can call a towing company directly. Call the company of your choice or dial 411 to find services near you. Most tow companies can help unlock your vehicle. But if not, they can always tow your car to someone who can.
  • Locksmiths or dealerships: Locksmiths can always help in the event of a lockout. But they’re especially useful if you’ve lost your key and need a replacement. Since most modern vehicles use keys with a security transponder chip, it takes specialized equipment from a locksmith or auto dealer to make a replacement key. Just have your vehicle identification number and proof of ownership ready. A professional locksmith service can get pricey.

CAN I CALL THE POLICE TO UNLOCK MY CAR?

One way to get back into your car is to call your local law enforcement authorities. However, keep in mind that locking your keys in your car doesn’t typically qualify as an emergency. Police officers are concerned with public safety, so generally, life or property has to be at risk for them to respond.
If a child is locked in the car or you’re in danger, call 911 immediately. Otherwise, you can try to call a local non-emergency number for help. But if the coast is clear, expect them to respond to more urgent calls or recommend a tow truck.

HOW TO PREVENT A LOCKOUT

The best way to make sure you and your keys don’t end up on opposite sides of the door is to keep them on your person.
Here are a few tips that can help make all the difference:
  • Always lock doors from the outside. Some vehicles won’t lock if your fob is still inside. But manually locking the door while you’re in the car could override that feature. Always lock the doors from the outside to reduce the risk of trapping your keys inside.
  • Take the key with you. If your engine is running, some security systems may automatically lock the doors assuming you’re getting ready to drive. Before you step out, turn the engine off and immediately put the key in your pocket.
  • Use a lanyard or keychain. A lone key is easy to lose, but lanyards and keychains make them much easier to keep track of. Attach a lanyard or chain to your keys to make them more noticeable.
 
 
Car-Lotta is looking to give you helpful tips!