Denver auto body repair shop owner gives away FREE car wash…
http://www.hatchsauto.com Denver auto body repair shop owner gives away FREE car wash. If you have been in an accident recently and would like help with your insurance company on getting your car fully repaired, Sean McCall from Hatch’s Auto Body can help.
Duration : 0:1:2
Auto Insurance Principles Should Apply To Health Insurance
Many Americans rely on their automobiles to get to work. No automobile means no job, no rent or mortgage money, no food. A single parent, struggling to make ends meet in the suburbs with 100,000 miles on the odometer, would presumably welcome the guaranteed opportunity for low-priced insurance that would take care of every possible repair on her auto until the day that it reaches 200,000 miles or falls apart, whichever comes first. Especially if the insurance is valid regardless of whether she even changes the oil in the interim.
So why aren’t the auto insurance companies writing such coverage, either directly or through used auto dealers? And given the importance of reliable transportation, why isn’t the public demanding such coverage? The answer is that both auto insurers and the public know that such insurance can’t be written for a premium the insured can afford, while still allowing the insurers to stay solvent and make a profit. As a society, we intuitively understand that the costs associated with taking care of every mechanical need of an old automobile, particularly in the absence of regular maintenance, aren’t insurable. Yet we don’t seem to have these same intuitions with respect to health insurance.
If we pull the emotions out of health insurance, which is admittedly hard to do even for this author, and look at health insurance from the economic perspective, there are several insights from auto insurance that can illuminate the design, risk selection, and rating of health insurance.
Auto insurance comes in two forms: the traditional insurance you buy from your agent or direct from an insurance company, and warranties that are purchased from auto manufacturers and dealers. Both are risk transfer and sharing devices and I’ll generically refer to both as insurance. Because auto third-party liability insurance has no equivalent in health insurance, for traditional auto insurance, I’ll examine only collision and comprehensive insurance – insurance covering the vehicle – and not third-party liability insurance.
Bumper to Bumper
The following are some commonly accepted principles from auto insurance:
* Bad maintenance voids certain insurance. If an automobile owner never changes the oil, the auto’s power train warranty is void. In fact, not only does the oil need to be changed, the change needs to be performed by a certified mechanic and documented. Collision insurance doesn’t cover cars purposefully driven over a cliff.
* The best insurance is offered for new models. Bumper-to-bumper warranties are offered only on new cars. As they roll off the assembly line, automobiles have a low and relatively consistent risk profile, satisfying the actuarial test for insurance pricing. Furthermore, auto manufacturers usually wrap at least some coverage into the price of the new auto in order to encourage an ongoing relationship with the owner.
* Limited insurance is offered for old model autos. Increasingly limited insurance is offered for old model autos. The bumper-to-bumper warranty expires, the power train warranty eventually expires, and the amount of collision and comprehensive insurance steadily decreases based on the market value of the auto.
* Certain older autos qualify for additional insurance. Certain older autos can qualify for additional coverage, either in terms of warranties for used autos or increased collision and comprehensive insurance for vintage autos. But such insurance is offered only after a careful inspection of the automobile itself.
* No insurance is offered for normal wear and tear. Wiper blades need replacement, brake pads wear out, and bumpers get dings. These aren’t insurable events. To the extent that a new car dealer will sometimes cover some of these costs, we intuitively understand that we’re ‘paying for it’ in the cost of the automobile and that it’s ‘not really’ insurance.
* Accidents are the only insurable event for the oldest automobiles. Accidents are generally insurable events even for the oldest autos; with few exceptions service work isn’t.
* Insurance doesn’t restore all vehicles to pre-accident condition. Auto insurance is limited. If the damage to the auto at any age exceeds the value of the auto, the insurer then pays only the value of the auto. With the exception of vintage autos, the value assigned to the auto goes down over time. So whereas accidents are insurable at any vehicle age, the amount of the accident insurance is increasingly limited.
* Insurance is priced to the risk. Insurance is priced based on the risk profile of both the automobile and the driver. The auto insurer carefully examines both when setting rates.
* We pay for our own insurance. And with few exceptions, automobile insurance isn’t tax deductible. As a result, the fear of increasing insurance rates due to traffic violations and/or accidents changes our driving behavior and we sometimes select our automobiles based on their insurability.
Each of the above principles is supported by solid actuarial theory. Although most Americans can’t describe the underlying actuarial theories, most everyone understands the above principles of auto insurance at the intuitive level. For sure, as indispensable automobiles are to our lifestyles, there is no loud national movement, accompanied by moral outrage, to change these principles.
Unsustainable Market
In contrast, similar principles are routinely violated in health insurance. To demonstrate this, let’s return to the same suburban mother from the opening paragraph. She’s busy working, driving to and from work, and driving her kids to school and activities. She ends each day exhausted, sitting on the couch with fast food. She’s obese, has a sedentary life, a bad diet, and hasn’t taken the time to go to the doctor in years. After a simple injury doesn’t heal for weeks, she turns up at the emergency room and learns she has type II diabetes. Although type II diabetes is controllable, changing diet and exercise habits and properly tracking her condition takes time and effort and she’s never quite successful in implementing the necessary lifestyle changes.
So the initial emergency room visit is only the first of a long list of health care related to non-controlled diabetes and other problems associated with obesity. Whether she has individual or group insurance, her insurance pays for each episode of care, without singling her out for a premium increase, and without charging her any more cost sharing than is charged to the healthiest and most medically diligent insureds. Her coverage continues until she voluntarily changes insurance companies and/or employers or becomes eligible for Medicare. If she’s covered under group insurance she may not even pay any premium. Her insurance continues unabated, even though the disease was caused by neglecting her body and she maintains her poor lifestyle even after the disease becomes known.
This just wouldn’t happen in auto insurance. This scenario is the auto insurance equivalent of guaranteed access to low-priced auto insurance that takes care of every possible repair, including damage already done, until the day the car falls apart so completely it’s unsalvageable (death) or reaches 200,000 miles (Medicare), regardless of whether she even changes the oil (takes care of herself) in the interim.
As a society, we don’t expect this in private-market auto insurance, but we expect it in private-market health insurance. Furthermore, there’s a chorus of national and state interests, which continuously pushes us further away from the auto insurance principles.
The current private health insurance market isn’t sustainable. Prices have been consistently increasing faster than inflation for decades. Each year, insureds use more health care than ever before and more people have no insurance at all. Most actuaries and other people in the private health insurance market don’t want national health insurance with its bureaucracy and one-size-fits-all benefits. Yet, we’re trying to sustain a private insurance system, which violates the very principles we know are necessary for private insurance markets.
Yes, health insurance involves the sacredness of human life and is therefore different from auto insurance. But if we’re to sustain a private-market solution to health insurance, actuaries need to explain to the larger society, in terms that society understands, the rationale for the following principles:
* As sacred as health care is, it’s still an economic transaction that has to be balanced by individuals and societies, against other economic choices. It can’t be unlimited. Sometimes it will be secondary to other choices. On a given day, for example, the mother in our scenario may value her car more than her health.
* Insurance premiums should be paid by the individual and tied to controllable risk factors. This will provide the best incentive for the control of risk factors.
* Although it’s hard to draw the line between abuse, neglect and ignorance, self-abuse shouldn’t be insured and we need to draw that line somewhere.
* The private market can’t provide unlimited, self-directed health insurance.
* Routine care and ongoing treatments of chronic conditions can be pre-funded, can even be subsidized, but they don’t constitute ‘insurable events.’
* Insurance can’t be expected to keep every human body in pristine condition. No amount of health care will prevent everyone’s ultimate death.
* Comprehensive, unlimited, non-subsidized private-market coverage isn’t possible for people with severely impaired health.
* The private health market can provide limited non-subsidized health insurance, such as protection from accidents, to even health-impaired individuals.
* Individuals who can afford to do so and who take good care of themselves should be able to ‘buy up’ to better coverage. People have the option of buying up for everything else in life.
Discussion of these principles is lacking from most of the current health insurance debate. If society can intuitively understand how similar principles apply to health insurance, then they should be able understand the principles in the health insurance context. We need to initiate the debate.
This commentary is solely the opinion of its author. It does not express the official policy of the American Academy of Actuaries; nor does it necessarily reflect the opinions of the Academy’s individual officers, members, or staff
Contingencies, Jan/Feb 2007
Melih Oztalay
http://www.articlesbase.com/non-fiction-articles/auto-insurance-principles-should-apply-to-health-insurance-110015.html
For Finest Used Auto Body Parts Visit Iautobodyparts Right Now!
It is totally undeniable that use of vehicle makes our life extremely smooth and easy. If you are going to your destination by walking or with the help of a public transport then it is obvious that you have to face unnecessary wastage of energy and time. It is a fact which is common with all of us. Due to convenience only the numbers of personal vehicles are increasing on the road day by day.
For a middle class person the maintenance of vehicle is more challenging in contrast to the purchase of the vehicle. The maintenance of a luxury car can do more damage to ones monthly budget in contrast to a normal two wheeler vehicle.
Replacement of the damaged vehicle parts is considered to be a problematic issue for the vehicle owners. If you prefer your vehicle for daily use then it is not easy for you to prevent expense on brand new body parts because it is important for the consistent performance of your vehicle.
You are highly depending on your vehicle and if your budget is tight then it is not easy for you to solve out the problem. Isn’t it?
Now, what is the use of this discussion if there is not a specific and effective solution available for that? Yes, you can easily solve the problem by thinking rationally and by having a look on some other good options available for you.
If you are highly concerned about the cost associated with brand new auto body parts then why you should not go for used vehicle body parts? Of course! Now if you are thinking that the used vehicle parts cannot provide you the anticipated durability then you are wrong to some extent. The used auto body parts will fail to provide you the desired stability only if you are purchasing it from a company which is in the business of selling inferior quality goods to its customer. If you are going for a well recognized company which is a trusted name among the second-hand auto part users ten there is n question of getting disappointing results. Now, the question arises where you will find one such company?
Although there are some good options available but if you are expecting a personal suggestion then it is advisable to go for the used body parts offered by iAutoBodyParts.
Why iAutoBodyParts only? The major reason is that it is a site which is superb from all the aspects.
There are some of the unique features associated with this site which are given below.
ü Goodwill: it is something which is not common with most of the sites available on the internet. Due to its vision ad devotion only iAutoBodyParts possesses a sound goodwill in the market.
ü Ease of shopping: here you can shop for used auto body parts in most convenient fashion without facing any trouble in between. You can easily shop this site by part category or by area. It is fully assured that you will leave this site with a great smile on your face.
ü User friendly: it is a site which is highly supportive to the user. You can extract finest results in used body parts in no time.
Rich Bowen
http://www.articlesbase.com/automotive-articles/for-finest-used-auto-body-parts-visit-iautobodyparts-right-now-687679.html
ZJ’s Auto Body
ZJ’s Auto Body has been serving the friendly people of Clovis and Fresno since 1986. Call ZJ’s auto body today for your free estimate at (559)298-9691.
Duration : 0:0:36
What to Look For In an Auto Body Repair Shop
It’s unfortunate but every day of the week all around the world auto accidents occur and they do occur few are prepared for the costly repairs that result. To make sure that you are getting quality repairs for the best price here’s what to look for in an auto body repair shop.
Selecting the right auto body repair shop will save you a lot of stress and money and you’ll know that you’ll get a decent repair. The first thing you need to do is have a look around the auto body repair shop. You might only be able to sneak a glance but that can tell you an awful lot as to whether you want to hire them.
Is the shop well lit? Is it nice and clean? Does the equipment look modern and well maintained? Up to date equipment means you are getting the best in repairs.
If they will allow you to take a tour of their shop it’s nice to browse around and talk to staff. Don’t be surprised if they deny your request because due to safety precautions. However some also allow for short tours while no jobs are in progress.
While you are in there take a quick scan of the area and see if there are signs of plaques that indicate special training staff has undergone or safety awards that have been won. These are often displayed out in the office where they are visible to customers.
Training and qualifications are really important when it comes to doing high quality auto body repairs. If the team knows what they are doing your repair will look just like new and no one will know there was even a repair.
Windows may need to be replaced, parts such as lighting, fenders, grill, or doors may be damaged and either need to be repaired or fixed, and chances are you are going to need some painting.
When you receive your vehicle back inspect the paint for small paint bubbles that are still there after the work is completed and set. You should also check the glass to make sure it is secure and doesn’t, shake, rattle, or leak.
Before you turn your car over for repairs you will want to know their policy if you are not happy with the work. Will they fix it for no charge or will there be additional fees. How long is the warranty for? How long will it take for the repairs to be completed?
When you pick up your car it is important to take some time to exam all the work that has been done and if you spot anything that does not appear to be right mention it immediately. If you notice nothing at the shop but spot something when you get home then it is important to notify them as soon as possible.
Now that you know what to look for in an auto body repair shop there’s a good chance that your vehicle repairs will be good as new and nobody will ever know that your car was in an accident.
Terry Fitzroy
http://www.articlesbase.com/automotive-articles/what-to-look-for-in-an-auto-body-repair-shop-123423.html
How to Paint Your Car Yourself – Auto Body Repair (1 of 2)
Visit http://www.refinishnetwork.com . This shows the steps necessary from start to finish of a minor dent repair on the quart panel of a sunfire. It includes filler application, block sanding, priming, sealer, painting & clearcoat application.
Duration : 0:9:26
For Auto Repair Parts and Auto Body Shop Visit Right Here!
For availing better performance for a long period of time it is important that you should understand first the requirements of your vehicle. It is a fact that in a vehicle the stability varies according to each body pasts. Some of the parts are required to be replaced after few months while some do not show any complaint for several years.
It doesn’t matter whether it is due to an accident or after witnessing depreciation in functioning, you are required to go for the replacement of the worn auto part(s) to maintain the performance of the vehicle.
It is true that most of the people hesitate to visit an auto body shop because of expenses related with the replacement of the vehicle part.
For the benefit of your own and your vehicle it is important to conclude auto repair one way or the other. There is no use of going for the brand new auto parts if you can avail the same quality and efficiency with the help of used auto parts. It is applicable not only to two wheelers but also on four wheelers like cars and heavy vehicle like trucks.
Visiting an auto body shop with a used vehicle part will prove to be less expensive for you in contrast of brand new vehicle part. There are several companies available which offers best deal to the customers in used auto repair parts. All you are required to do is to search for one such company and go for a deal.
If you want to end your search with better quality used vehicle parts then it is not sensible to go with a straightforward approach. There is no question of making compromise when it is about performance and longevity of your vehicle. You are required to trust a proven name and all the things can go in your way.
If you have not got the right option till now then you can make a choice with iAutoBodyParts.
Yes, iAutoBodyParts is a company site which does not require any kind of recognition to prove its presence in the market. It possesses a long list of happy and satisfied customers and that is sufficient enough to declare its worth in the market.
It doesn’t matter whether your problem is related with an auto body shop or the availability of auto repair parts, iAutoBodyParts can prove to be the eventual choice for you. There are few of the points given below which will make it clear why visiting this site can be decisive for you.
ü Wide range: iAutoBodyParts is proficient enough to fulfill all kinds of your requirements related with used vehicle parts. iAutoBodyParts have more than 500,000 auto parts available in its stock. All offering lifetime warranty. Believe it! Your vehicle will be treated with a guaranteed product only.
ü Easy customization: wish to install auto fenders and auto bumpers of the latest model of car? If yes, then iAutoBodyParts is the right place for you to visit. With the customized service of this site you can bring all kind of modifications to your site that you have ever dreamed of. Give an opportunity to iAutoBodyParts to customize your vehicle. The new look will really stun you!!
ü User supportive: it is a site which is friendly to the user. With few clicks you can extort the anticipated results in no time.
ü An ideal deal: whether you are going for auto repair parts or the list of auto body shop available in your locality, you will get an honest deal. There is no surprising elements or hidden costs. The privacy policy, return policy, payment options as well as terms and conditions will be provided to you in advance.
Rich Bowen
http://www.articlesbase.com/automotive-articles/for-auto-repair-parts-and-auto-body-shop-visit-right-here-685554.html
Can anyone recommend a good auto body shop in the Independence/Kansas City area?
I am looking for a reputable auto body shop with reasonable rates around the Kansas City or Independence area. Can anyone recommend one?
R & K auto body
* (816) 254-2050
15801 E Us Highway 24, Independence, MO 64050 Get directions Cross Streets: Between E Cogan Ln and N Allen Rd
I personally have not used them but have heard good things about them.
Hope this helps…
Career In Auto Body Repair Technology
If you have traveled on the highway, you might have come across accidents involving two or more vehicles that have collided with each other. Such vehicles are either disposed of as scrap or sent for repairs, depending on the extent of damage caused by the crash. An automobile body repairer’s job is to work on damaged cars, make modifications to improve appearance and lend it an entirely new look. A career in auto body repair technology can be fascinating if you have a flair for fixing things and an eye for the design of cars.
The following article will help you understand the distinguishing characteristics of a career in auto body repair technology.
Job Qualifications And Training
Companies that hire auto body repair technologists typically prefer candidates with prior training in the field. They supplement the knowledge of newly recruited technicians with a well defined, on-the-job training. Additionally, the technicians are expected to lay efforts on constant updating of their skills as new vehicles are introduced. It is advisable for them to spend personal time reading technical manuals, and attending seminars and classes.
The National Institute of Automotive Service Excellence (ASE) offers a certification in repairs, which though a voluntary program is considered as a standard of achievement for automotive body repairers. The institute conducts four tests, twice a year. A work experience of two years is an essential criterion to qualify for the test.
Due to the rapid improvement in technology, vast differences exist in the make, spare parts, build and quality of material used by manufacturers in the production of cars. Therefore, in addition to the practical training provided by employers, new technicians are also encouraged to attend supplementary courses organized by various auto manufacturers.
Skills
To be a talented automotive body repairer, reading, arithmetic and computer skills are essential. To restore the body of an automobile, a repairer should be able to understand diagrams so that the correct positioning of a certain part can be measured with respect to the other parts. New repairers are expected to fix dents and other minor problems, after which they start working on more complex problems such as straightening and realignment of body parts.
Nature Of The Job
The different job opportunities in this field range from painting and glass replacement to specializing in only one type of repair. For instance, a technician can focus on fiberglass car body repair that is usually done only in bigger shops. Other jobs include fixing of large dents using anvils, heating of plastic to attach it back to the car, and the filing and grinding of machines to lend it a desired shape. After gaining a few years of experience, some auto body repairers also take up management jobs that involve tasks such as supervising technicians, purchasing of supplies, hiring, keeping track of income, expenses, and payment of bills.
Salary
According to the Bureau of Labor Statistics, in the year 2002, automotive body repairers made a median hourly wage of $15.71 including incentives.
Future Of The Job
The number of job positions in this field is expected to increase through the year 2012. To meet the demand, auto body repair jobs may have to be contracted out to repairers from other fields or retired automobile designers working in other areas. Repairers who have undergone formal training and certification will benefit from the enriching job opportunities expected to arise. Other than simple repairing jobs, the redefining aspect of automobile technology will be a sought after skill to counter the increasing demands for new and innovative designs. The big shops will look at increasing their ability to provide quality service to more customers as a team is would be recruited to cater to the varying needs of different customer profiles, to decrease the repair time and improve overall efficiency.
As the number of vehicles on the road increase, so will the need to repair and add new features to them. The auto repairing industry is here to stay, and if you vie to be in an innovative and challenging field, the auto body repair industry is the right career option for you.
Tony Jacowski
http://www.articlesbase.com/careers-articles/career-in-auto-body-repair-technology-70665.html
How to Paint Your Car Yourself – Auto Body Repair (part 2 of 2)
This shows the steps necessary from start to finish of a minor dent repair on the quart panel of a sunfire. It includes filler application, block sanding, priming, sealer, painting & clearcoat application. The masking step was skipped in this video. It is available separately, check my other videos.
Duration : 0:6:11