Posts Tagged ‘car finance’

Easy Procedure To Follow When Buying A Used Auto

Thursday, September 23rd, 2010

The secondhand motorcar market has been quickly rising on an annual basis, with some studies showing that three times more used autos are purchased than new, each year. There are loads of reasons why people decide to purchase secondhand, with the primary focus being on the cost saving they will make. Your funds will also stretch much further with a secondhand vehicle as, for example, you may be able to afford a special make and model with lots of extras such as sat nav, cruise control etc, where as if you bought that make of car new, you may have to purchase the basic model.

Buying a secondhand auto can however be a little overwhelming for some people, despite the fact that this experience should be an pleasurable one. Providing you are cautious, do all the necessary checks and ask the right questions, buying a used vehicle should be a very straight-forward procedure. If you are looking at purchasing a used car, here are some pointers that can help you avoid any mistakes.

1. Initial Examination. The 1st thing to check is the overall condition of the auto. Does it have any knocks, bangs or marks and if so, do these reflect in the price? Check the state of the tyres to ensure they are road legal or to see if they will need replacing soon. Check that the front and rear lights have no impairment and check the bodywork for rust. Look under the auto to look for any leaks, and even examine the garage fore-court or the sellers driveway to see if there are any signs of oil spills.

2. Service History and Mileage Check. At all times demand to view the automobiles service history, and make sure that it has been serviced often by a service station and the service record has been signed. Also ensure the mileage has been noted in the maintenance book and check that it matches up with the mileage on the vehicle. Ensure that if the seller informs you that there has been work done on the automobile, that they have receipts to prove it. The more information on the automobile the better so you can feel more confident about the purchase you may make.

3. Mechanical Check. Even if the car starts without any problems, unless you are a car-mechanic it is difficult for you to assess the condition of the engine. It is highly recommended that you get a qualified mechanic to give the car a look over before you commit to purchasing. They will be able to give you a reliable assessment of the condition of the engine and will be able to quiz the owner with questions that you may not consider. In the long run, getting the cars engine looked at out in advance could save you lots of cash and hassle in the future.

4. Test Drive The Car. The best way to get a flavor for a auto is to take it for a test drive yourself. You can then see how the automobile handles and if the motorcar ‘feels’ right for you. It is also an excellent to see if the auto has any noises or ‘knocking’ sounds and also check if everything is functioning correctly, such as the horns, air con or CD player. If the seller refuses you a test drive then you have to question why they are doing this, and it should may you think twice about purchasing.

If you follow these four simple steps then you will be well on your way to avoiding some of the pitfalls of purchasing a used car, and you can then guarantee that you will be ecstatic with your used automobile purchase.

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What To Do After A Car Accident

Monday, June 28th, 2010

It is against the law not to stop at the scene of an accident if someone is injured or damage has been caused. Ensure that the scene does not become a hazard to other drivers. Get everyone to switch off their engines, turn on their hazard lights and make sure oncoming traffic is aware of the accident. Dial 999 if anyone is hurt, or someone leaves the scene without exchanging details. If you think the accident scene may be hazardous to other drivers get the police by calling 999.

Stay calm. Don’t admit blame no matter how clear-cut you may think the cause of the accident is. Use a notepad to sketch out how the accident happened whilst you are still at the scene. Note down street names, vehicle locations and direction of travel, skid marks, collision points and any damage. Back this up with photos, most mobile phones have cameras these days.

By law, all drivers involved in the actual accident must give their contact details to each other. Note down names, addresses, phone numbers and insurance details for each vehicle involved. Also take down the names and addresses of any witnesses, including passengers from the other vehicles involved.

Record any other details you think may be of importance e.g. if you think the driver of the other vehicle has been drinking or using a mobile phone note this down. Make a note of any weather conditions that may have contributed to the accident, e.g. rain or fog. If there is damage to the road surface or cars parked in such away as to contribute to the accident note this down too.

If you hit a farm animal or dog you must report that incident to the police. If you hit a wild animal or cat you do not have to report it, as long as the animal is not injured or suffering. Always stop to check the condition of the animal, but stop in a safe place and walk back to find the animal if you need to.

You must notify your insurance company immediately of any collision you are involved in, regardless of whether a claim will be necessary. Send your insurer all the notes of the incident you took from the scene.

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