Archives for September 2015

A car accident is your unexpected personal crisis, the same with your passengers and the other motorists involved, as well as your or their families and friends. If it’s not your fault and you’re hurt or your vehicle incurred damages, there are several do’s you should do to protect yourself. To ensure you minimise issues, follow some expert advice from the best driving instructors Liverpool.

Remember that a car accident is often an emotional personal and very physical crisis that long after it occurred could consume a lot of your precious time. It’s worth bearing in mind to stay calm, contact the police, an attorney experienced in vehicular accidents, your insurance company or if your injury is severe, you should do first of all the getting of medical attention.

Think of it always that the car can be repaired or replaced but your injured body and your life are not replaceable so you must think to prioritise yourself more than anything else during an accident. Make sure to always drive with caution. Always keep distance from other vehicles around and never forget to wear your seatbelt.

Some  other things you should do when you get involved in a car accident:

(1.)  Look after those who are hurt.
(2.)  Call the police.
(3.)  Take pictures and exchange documentation.
(4.)  Call your insurance agent.
(5.)  Call a car accident attorney.

If you only suffered minor injury and still much able to move around, the firt thing you must do is to look after those who are hurt and attend to them. Then call the police. Next, think for your own safety and the safety of other motorists. If the vehicles being damaged in the accident are blocking a part of the road and they’re dangerous to some passing vehicles, move them to the side of the road if it’s still possible for you to do so.

However, if you’re unable to do it, you otherwise wait for the police and leave the damaged vehicles where they’re located.  If cars are able to pass at the scene of the accident, you should move to the side of the road. Don’t be a second accident victim by being injured more by the vehicles moving around the area of your accident.

It’s very important to call the police at the time of the accident even if it’s only minor. Remember that the accident report of the police is a critical document as evidence or for filing an insurance claim or in any court proceeding in the future.

It’s worth bearing in mind to be honest with the police as they arrive on the scene of the accident. You’re naturally worried and concerned about your liability but it’s not a good idea to exaggerate or lie about the situation. Bear in mind that the police are trained professionals, so they can detect and be suspicious if you’re not telling the truth.

Even if you decide not to make an insurance claim and will just take care personally the repair costs, you should still have to file a police report because without it, the situation will become very complicated when you or some other road users involved will go to court.

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To fail your driving lesson Liverpool for the only reason of not checking your car mirrors is a big thing to remorse as many would just view it as a very simple check but ironically it breaks into pieces your big dream to succeed and have an exciting driving career in the future.

As a learner driver, you should always remember that in driving, there are simple rules you might be taking for granted which will result to your severe injuries and death in just a split of a second – and that’s failing a mirror check.

So the big question to address in this article that’s worth bearing in mind is: How is it important to check your car mirrors? The answer is: It’s vital, as failure to do so could fail you from your driving test and worse, it could claim your life so quick

As you look at the list, you’ll see that the reasons for failure in the driving test fall into three categories: (1.) observation (2.) judgement, (3.) physical ability. Ask yourself how is it difficult to look in your car mirrors whilst driving?

As you go on with your driving test, does a neck brace appear mysteriously around your neck whilst the examiner is getting into the car, that prevents your head from turning left or right? Or do your eyes start hurting as you look in the mirrors, or maybe your elaborate or unique hairstyle is preventing you from turning to check your blind spots?

If you aren’t, then you should look again at the list of top several reasons for driving test failures in which six out of ten of them can be attributed to lack of use of car mirrors and observation of potential hazards.

Why do so many learner drivers fail their driving test for this reason alone – failure to use their car mirrors? So, if it’s so easy to ensure that you effectively use your mirrors, act immediately on what you’ve seen, always check your blind spots and keep observing around, then your pass rate will be much higher.

So, why do people fail their driving test because of missing to do correctly something so obviously easy to learn? It’s because when you’re feeling nervous you easily forget the most basic skills in driving.

Remember that a missed mirror check during your driving test may have no physical consequences with the presence of your driving instructor, but when it really does, such consequences could be fatal when you’re swapping lanes in front of another vehicle, or when you’re braking too harshly due to nerves and the car behind runs into the rear of your vehicle, or when you miss to check your blind spot and knock a child off his bike.

if your driving instructors Liverpool has to keep reminding you to always check your mirrors and blind spots, then read on. It’s very simple, and all you have to do is: Look in the appropriate mirrors before…

(1.)  Signalling
(2.)  Changing Speed
(3.)  Changing Direction

In a survey, 70 % of people said that their instructor had prompted them to check their mirrors on a regular basis. So it’s hard to understand why learner drivers need to be reminded to check their car mirrors, even if they know that there can be a fatal consequence of not doing this.

It’s never been too difficult these days to be a newly-qualified young driver as there are already some alternative to the expensive cars fitted for you as a beginner. Even if there’s the high rocketing of fuel prices, hefty running costs, tax and of course, higher car insurance premiums.

With this in your mind, it’s truly imperative for you to do a research before buying a car. Other vital considerations before deciding to buy a car are as follows: (1.) the fuel economy (2.) road tax grouping (3.) car’s insurance group.

A study showed the total annual and monthly running costs of the top 10 cheapest vehicles for young drivers. It has found out that the number one in the list of the cheapest new cars for young motorists is “Seat Mii” based on its monthly expenditure. It only has the average monthly bill of £346.63 which is very affordable for a young motorist.

This amount already covers the monthly car insurance premiums, purchase repayment, road tax and fuel. The Mii, then becomes highly recommended after it has beaten off some tough competitors to win the title as the “2012 MoneySupermarket Car of the Year.”

But what if a young driver prefers two-wheeled rather than four-wheeled vehicle? You could definitely get a better deal financially by owning a motorbike because its monthly cost is significantly less which is favourable for young drivers. The study also found out that a Honda CBR would only cost £ 224.10 per month for the average 18-year-old driver.

The top 10 cheapest cars for young drivers:

(1.) Seat Mii – cash Price: £ 8,995. Its monthly purchase fee is £ 79  with free insurance. It has £ 903.43 cost of fuel every year.
(2.)  Ford KA – cash price: £7,975. Its  monthly purchase fee is £ 79 with free insurance. It’s annual fuel cost is £ 982.67.
(3.) Hyundai  i10 – cash price: £ 6,995. Its monthly purchase fee is £ 99  with five-year warranty. It has £ 836 cost of fuel every year.
(4.) Peugeot 107 – cash price: £ 7,195. Its monthly purchase fee is £ 149. It’s annual fuel cost is £ 836.
(5.) Toyota iQ – cash price: £ 10,995. Its monthly purchase fee is £ 139 with five-year warranty. It’s annual fuel cost is £ 875.19
(6.) Ford Fiesta – cash price: £ 9,695. Its monthly purchase fee is £ 109. It’s annual fuel cost is £ 1,143.11.
(7.) Vauxhall CORSA – cash price: £ 9,495. Its monthly purchase fee is £ 149. It’s annual fuel cost is £ 1,018.41.
(8.) Volkswagen Polo – cash price: £ 10,650. Its monthly purchase fee is £ 145. It’s annual fuel cost is £ 1,098.28.
(9.) RENAULT twingo – cash price: £ 10,550. Its monthly purchase fee is £ 149. It’s annual fuel cost is £ 1,018.41.(10.) RENAULT clio – cash price: £ 11,995. Its monthly purchase fee is £ 179. It’s annual fuel cost is £ 1,098.28.

The study showed a difference in annual running cost of £ 3,200 for the top ten cars on the list. Therefore, car choice has a significant impact on annual running costs for young drivers.

More on car tips from Pass Pronto the leading driving schools Liverpool!

Probably you’re unaware that Insurers don’t really like young drivers. It’s actually nothing personal. It’s all because of the current statistics that young drivers are far more likely to get involved in road accidents and therefore they make more insurance claims compared to older motorists.

A study showed young driver aged 18 is three times more likely to get involved in a road accident compared to a 48-year-old motorist? Also one in five newly qualified drivers has an accident within six months after passing their driving test. In other words, young motorists are in high risk, so they have to pay a higher insurance premium.

The cover cost for a young driver aged 17 to 22 is £1,000 which is about twice the average insurance premium. But some young motorists are paying more for their car insurance.

This £2,000 is already a lot of money. So you might consider spreading the cost in monthly installments over the year. Most car insurers offer this option, but watch out for the interest and admin charges. Usually, there’s a fee for the installment plan that will increase the cost.

You can also do your shopping for insurance companies around to compare quotes. So it’s always a better idea to shop around for your car insurance. Remember that insurance premiums vary from insurer to insurer and you can save hundreds of pounds by simply logging on to websites for cost comparison.

If you have recently passed your driving test, you may think of boosting your driving skills by taking up an advanced motoring course. The renowned one is the Pass Plus Course of the Driver and Vehicle Standards Agency (DVLA). This course is intended to fill in the gaps being left by the Standard Driving Test. So, there are modules on night time and motorway driving.

You can also come to the Institute of Advanced Motorists (IAM) which runs some advanced driving courses and driving lesson Liverpool, or you may try the AA or the RAC. These courses aren’t free but if you successfully complete it, you can earn some discount on your car insurance premium. You will also become a better and safer driver for your own benefit as well as for the other road users.

On the other hand, all car insurance policies have the compulsory excess. This is the amount you should pay for each claim. For example, if the compulsory excess is £300 and you have a claim of £500, the car insurer will only pay out £200.

Most car insurers will be happy for you adding a voluntary excess to your insurance policy and mostly they will offer some commensurate discount on your insurance premium. For example, you may pay a premium of £1,000 with a compulsory excess of £200. If you add a £300 voluntary excess, the premium might be reduced to £900.

Make sure to fully understand the discount before you increase the compulsory excess so that in time you have to put in a claim, you can afford the bigger amount.

You could also help bring down the premium if you add the name of an older and more experienced driver to the policy of your car insurance.