Car insurance secrets

Monday, April 25, 2011

The Origin of Car Insurance

One of the most widespread types of insurances in the world, car insurance is a legal requirement for car owners in almost every country on earth. Car insurance may cover not only all types of physical damage to any vehicles involved in an accident but also the medical expenses of any persons involved in an accident. It may also cover damage inflicted to property in any accident involving a vehicle.
Marine Insurance

The ancient Chinese were the first to come up with the idea of insuring a traveling unit. When the Americas were first being settled, Chinese merchants would often ship huge amounts of valuable merchandise across the Atlantic Ocean. These were dangerous trips with great risks involved and occasionally entire ships would disappear, either having sunk in a fierce storm or having been captured by pirates.

A group of Chinese entrepreneurs began offering insurance policies on ships undertaking these dangerous voyages. In return for a small fee, these entrepreneurs offered to take the risk off the merchants and put it on themselves. They would earn the small fee if nothing happened to the ship, but they would have to pay for any damages inflicted on the ship while under their insurance policy. This became known as marine insurance and is still in practice in many of today’s commercial ports.
The Evolution of Car Insurance

As the use of cars became more and more widespread, policymakers began to adapt the idea of marine insurance to land-based motor vehicles. The government soon decided that it was a risk as well as a privilege to operate one’s motor vehicle on public property. Laws were passed that legally required car owners to purchase car insurance both to protect themselves and others in case of an accident. The first state to mandate car insurance was Massachusetts who, in 1927, made insurance mandatory for all vehicles on their roads. Today, car insurance is mandatory in all 50 states.
The First Car Insurance Policies

The very insurance policy to be issued in the United States was in the early 1800s - nearly a hundred years before motorized vehicles became widespread. In 1895, a company owned by English investors issued the first policy with liability coverage included. Liability coverage was introduced to the United States three years later in 1898. Today, although every state has a different minimum amount of required obligations in their car insurance laws, liability coverage is mandatory in all 50.

Miles Walker is a freelance writer who normally writes feature articles for He recently wrote about California car insurance.

Friday, January 14, 2011

Car Tuning: How To Get Better At It

All of us dream of getting good at something we have been passionate about since we were a kid. One such thing would probably have to be car tuning. There are a number of enthusiasts out there that are involved with doing this on their own vehicles. After all, considering how simple and straightforward it is, it would be unwise to have it done for you by someone else. You might want to consider the option of learning more about the concept before you can actually try it out on your own. Listed below are some ways in which you could do this.

Researching about the car

One way that you can significantly improve your knowledge about car tuning would probably be if you research about your vehicle and perhaps learn more about it in the process. This is an important thing to keep in mind about, since you wouldn't want to end up trying something out with half knowledge. Some people spend as much as a year or more learning about their car before trying something on their own. You too could do the same to get better at it and perhaps learn to understand the simple stuff that powers your vehicle.

Getting involved with the maintenance

Car manufacturers provide a maintenance schedule for the reason that car owners know how to take care of their vehicle. Hence, in this manner, car owners can get familiar with car tuning and take care of their car at the same time. This is something worth looking into, even if you are not particularly interested in tuning your car. There are multiple benefits of taking care of your vehicle like intended. It is quite clear that you gain quite a bit by putting in some effort and taking care of your vehicle.

Going to online forums

A shortcut to getting knowledgeable about car tuning would probably be by going to some good online forums and learning more about the vehicles from some of the people in these forums. This too has yielded some good results in the past. You would definitely stand to gain from this and trying it out is highly recommended. Many of these forms are interesting places to go to in order to learn more about your car and also what a particular component does for your machine. It is definitely worth looking into it for any kind of car lover.

Although the online forums are a great idea, do be warned that it need not necessarily be the best one out there. You might want to be a little cautious about this and consider the website that you are going to in order to learn more about car tuning. It is important that the information you obtain is trustworthy and dependable. After all, you wouldn't want to simply complicate things by taking into account something that is not necessarily good for your car. Hence, spend some time and figure out all aspects before you can actually go ahead and try something out.

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