As of January 2003 it was determined that in the good ole US of A, there were approximately 12.3 million motor vehicle accidents involving over 21 million vehicles last year. This amounts to a little over one crash per second. Let s take a look at four of the most common of these gazillion impacts and the typical injuries they cause.

#1. LOW SPEED IMPACTS - - ESPECIALLY REAR-ENDERS: These are crashes that are considered to be any collision that takes place at speeds under 10 MPH. While there is absolutely no justification to call it a Low Speed impact that s what the insurance industry loves to identify them as. Why ? Because a moniker like that is supposed to indicate that the, so-called impact , you were subjected to could not possibly have caused an injury.

It s true that when such a crash does take place there s often not a lot of damage done to the motor vehicle and yet, in most cases, people involved in these types of accidents more often than not suffer injuries - - neck injuries especially!

Although the insurance industry would like to have those making a claim think differently an injury can and absolutely does occur when a low impact collision takes place. The most common is identified as the Whiplash . This takes place when the occupants don t have the slightest idea about the impending collision so they can t brace themselves by forcing their back and/or neck against the seat or headrest. Because of this their body gets whipped and snapped about something fierce.

Automobile bumpers are built to withstand up to a 5 MPH crash without damage. This is not done to insure the safety of the occupant but rather to protect and limit the damage to the bumpers, keeping the cost of repair to a minimum. Many times vehicle to vehicle impacts can sustain an impact of 8 to 9 MPH before there s recognizable damage to the motor vehicle. However, when the bumper doesn t crumble and absorb the force of the impact, more of that crash is felt by the occupants. IMMEDIATE INJURIES: The individual that s been crashed into by another (even at only 5 MPH) is thrown forward with a severe jerking motion - - causing necks to snap and backs to twist. Because of this many Soft Tissue styled injuries take place, including multiple body bruises, plus chest and rib injuries. In most cases adjusters attempt to deny the possibility of injuries in a low speed impact but research substantiates just the opposite! Sure, the motor vehicle will show little damage but the velocity and accompanying force have to be transferred somewhere, and that s to those sitting in that vehicle. Cars are built to withstand such minor impacts - - the human body is not!

#2. FRONTAL COLLISIONS: In most frontal impacts the occupant s can generally brace themselves because they re usually aware of the collision they re about to be subjected to. In Frontal Collisions the speed and weight of the vehicle play a role in the injuries of the occupant. (The more the vehicle crumbles at impact the less severe the injuries to the occupants. Many times airbags will deploy). In frontal impact collisions the speed and size of the vehicle determines the injuries that can take place. (And - - getting back to rear-end collisions for just a moment - - the striking vehicle not only undergoes a collapse, but transfers momentum to the car that s been struck by pushing it forward. The airbag may or may not explode. This depends upon the rigidity of the vehicle that s been struck).IMMEDIATE INJURIES: Head and neck, back, spine, rib and clavicle, arms and legs, concussions, soft tissue, internal, dislocations, abrasions, cuts and bruises.48 to 72 hours later: Headache, blurred vision, dizziness and loss of taste, smell or hearing. Also, difficulty breathing, blood in urine or stool, swelling, loss of motion and visualized bruising take place.

#3. SIDE IMPACT: Many times the occupants head will hit the side window and bounce off of it. There are no air bags nor bumpers, engines, etc., to help protect ones body or absorb the force of the impact. IMMEDIATE INJURIES: Head and neck, arms & legs, soft tissue, dislocations, scrapes and bruises. 48 to 72 hours later: Pain, headache, blurred vision, dizziness, loss of taste, smell or hearing, numbness or tingling (and basically the same as those listed above) so, at the risk of being repetitious but because it s so important, I must say once again: It s of major importance that the individual exposed to impact - - no matter how slight it may seem to have been - - should immediately be examined by a medical professional.

#4. ROLL-OVER ACCIDENTS: The typical roll-over accident is very serious. The most common factors in single vehicle accidents are approaching a curve at too high a speed, leaving the pavement or highway, or over-correcting the steering wheel - - particularly in vehicles with a short wheel base. The severity of injuries to the occupants generally depends on the beginning velocity of speed, the number of rolls, condition of the vehicle, and what your motor vehicle rolled through, over and into! Damage to the vehicle is generally extensive. It has been determined that 60% of the economic costs from roll-overs resulted from occupant ejection, and that the initial roll-over speed was between 40 to 60 MPH. (A recent study reported that restrained occupants showed a higher proportion of neck injuries than the unrestrained).

IMMEDIATE INJURIES: The whole nine yards - all of those as detailed above.

*******************

The bottom line (to all 4 of the above) is that in all motor vehicle accidents - - no matter how minor the damage it s of the greatest importance that each and every individual immediately visit a medical professional for a physical examination and/or consultation. So, should you find yourself at the scene of an accident and somebody asks if you think they should see a doctor, your answer should always be, “ABSOLUTELY ” ! Stare straight into their eyeballs and tell them, It s your body. There s only one to a customer. You should do whatever you can to take care of it and protect it .

DISCLAIMER: This article ~ CAR ACCIDENT INSURANCE CLAIM ~ REGARDING IMPACTS AND INJURIES is intended for background information only. Its purpose is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Thomas Brown nor ARTICLE CITY make any guarantee of any kind whatsoever NOR purports to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. where such professional help is desired IT IS THE INDIVIDUAL RESPONSIBILITY TO OBTAIN IT.

Dan Baldyga s third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at: autoaccidentclaims.com.” target=new>http://www.autoaccidentclaims.com. This book reveals How To successfully handle your motor vehicle accident claim, so you won t be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the Pain and Suffering you endured - - because of your personal injury.

Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved

Dan Baldyga - Author

19 Winona Drive, West Springfield, MA 01089

Phone: (413) 733 0127 FAX: (413) 731 8358

Mail to: “mailto:dbpaw@attbi.com”

AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss)

Found on the internet at: “autoaccidentclaims.com” target=new>http://www.autoaccidentclaims.com“

For over 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retried and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.

dbpaw@attbi.com

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Sometimes when you’re trying to find high-class information about car audio, it will be intricate sorting out quality information from ill-advised car audio suggestions and help so it is important to know how to judge the advice that is offered.

Here’s a few tipsthat we believe you should think of using when you’re searching for information about car audio. You need to understand that the advice we tender is only relevant to web based information about car audio.We do not give you any assistance or guidance when you are also conducting research in books or magazines.

A great tip to pursue when you are presented with help or advice concerning a car audio website is to ascertain who owns the site. This may divulge who is behind the site car audio integrity The quickest way to work out who owns the car audio web site is to look on the ‘about’ page or the sites ‘contact’ page.

Any worthwhile website providing information on car audio, will almost certainly provide an ‘about’ webpage which will list the owner’s details. The info should make known key points regarding the owner’s proficency and credentials. This means you can conduct an appraisal about the vendor’s insight and appreciation, to offer assistance with car audio.

About the author:

Tom Brown is the webmaster at information-special-news.info

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Camshaft, in its simplest definition, are the lobes in an engine that operate the valves. It is driven by a crankshaft, either through a belt, gears or chains that run at one half the speed of its own. It also facilitates the opening and closing of these valves in all piston engines.

Getting a wrong camshaft is like wasting all your efforts on a dollar per dollar basis. Don’t just be blinded by other engine management that of the electronic kind. No other single modification can come up with the same quality of function a camshaft can provide when it comes to cost-wise efficiency, power and driveability.

So, you’re in for camshaft hunt? Here are some helpful tips you can take note of in getting a camshaft.

1. Camshaft for a resto or resto mod project

If you’re going to get a cam for a resto or resto mod project, try to focus on its factory specs and do restoration by figures. Most camshaft company dealers will provide you with catalogs and amazing tech lines to help you pick the best camshaft.

Information regarding recommendations for the changes that will fit the camshaft like high stall torque converter, larger carburetor or exhaust headers, peak torque and a usable power hand and other related concerns should be answered and provided for by the company.

2. Camshaft for Vintage Engines

Take pride in upscaling the power and efficiency of your vintage engine, while camshafts let you take advantage of more modern grinds that creates more torque and horsepower by repetitive open and close motion of the values faster within the same specified duration.

Ideally, not all 280 degree camshafts behave and perform in the same manner. The camshaft’s driveabililty and torque quality is directly related to the rate of opening and closing speed of the valve as well as its durability.

3. Limits and modification of camshafts

It is important to know the restored engines’ practical limit and its special modification which a camshaft can accommodate. Engines with advertised duration are usually at 260 to 270 degrees.

So, how is a camshaft’s duration measured? The method of measurement they use is at .050 inches of value lift. However, restored engines with 215 to 220 degrees camshaft duration don’t really work well, and often times evaluated to have sluggish or laid back performance.

4. The camshaft centerline

While tip #3 teaches you so much about limits, modification and camshaft duration, do not forget and try to overlook its centerline, or what other people refer to as lobe separation angle.

Performance wise, it is one vital part that adds plus points to the camshaft’s totality, to shape up a balanced combination of power and fuel efficiency. Standardized resto cams aim for 110 to 112 degree centerlines.

As for drag race cams, theirs is set on a 104 to 106 degree centerline, designed to produce a bit more on the mid-range torque, but would often times require a lot more other mods to begin with.

5. Camshaft Value Lift

As I’ve mentioned in tip #3, value lifts are the primary contributing factors to a camshaft’s duration.

But although value lifts is one camshaft spec to go look after, it sets physical limit in things like value-to-piston clearance and value spring retainer-to-value guide clearance and value spring coil bind issues.

In this field, camshaft experts says it is always a go for the gold to target .450 to .475 inches of maximum value lift, especially for a modern v8s. For best results, ask assistance from your cam manufacturers to know details regarding physical measures of these things with critical dimension.

6.Camshaft Grind

Who says only singers could sing? Hey, camshafts can do it too!

When you’re just about to come up with a cam grind, prepare to hear it sing. So how do you create a cam grind? By coating the cam from its bearing lobes and surfaces with quality assembly lube, you’re bringing it a successful break in period!

To hail with all the electronic devices that are designed for engine management - because camshaft is and will still make most of the shots. The camshaft’s timing specification is determined by the ideal parameters of peak horsepower, fuel mileage, peak torque, a usable power, magnifold vacuum.

About the author:

James Monahan is the owner and Senior Editor of CamshaftSites.com and writes expert articles about camshafts.

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During the car buying process, your dealer may try to talk you into additional extras and services. One, in particular, is an auto service contract. Though they aren’t necessarily required, many car buyers feel enticed into buying one in order to protect themselves against unforeseen circumstances, such as expensive car repairs.

In general, auto service contracts pledge that the responsible agency, usually the car dealer, will provide the necessary services or repairs that the contract holder is entitled to.

When it comes time to make a decision about an auto service contract, these are the factors you need to consider:

1. Be aware of the terms and conditions stipulated in the auto service contract. Make sure you’re clear as to what services and repairs are included, and which are not.

2. You should know exactly who will be performing the required services. Will the car dealership be making the repairs or performing all services onsite? Or, do they outsource it to a third party?

3. You should find out the reputation of the company repairing or servicing your vehicle. How long have they been in business? Have any complaints been filed against them?

Finally, the most important thing to consider is the cost of the auto service contract. Will it be money well spent?

If it’s a brand new car, or one still under the manufacturer’s warranty, is the added expense really economical?

Would it be cheaper to pay for any mechanical problems yourself should they come up before the warranty expires? Or, would it be cheaper to have regular maintenance performed by your regular mechanic?

These are important factors that should be taken into consideration before purchasing any auto service contract.

About the author:

How Much Could Auto Auctions Save You? Begin Your Local Auto Auction Search Today! AutoAuctionFinder.com

My Free Car Buyer’s Guide Could Save You Thousands. Get Yours Today! http://www.autoauctionfi nder.com

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Car insurance premiums rise year after year,Although your car insurance premium largely depends on your Car, Age and discount there are a few steps you can take to help stop the rise or even reduce your premium.

1. Buy from the internet.Most companies offer a discount for online applications as this is automated process and costs them a lot less to process your application, you can usually see discounts of 5%-10%.Click here to get a instant online insurance quote

2. Shop around.All insurance companies use different formulas to calculate your insurance premium by adding or detracting money after each question the ask you.By shopping around you could find big savings on your insurance premium.

3. Buy extra products.Most insurance companies also do other insurance products ie”Building’s and content’s insurance”.Most insurance companies will give extra discounts for purchasing more than one product,by doing this you could save a fair amount on all your insurance premiums.

4. Pay your insurance premium in one go.By paying your insurance premium in full you can avoid paying costly interest charges that would be added if you paid your insurance premium by instalments.Some insurance companies may charge as much as 15% APR on instalments.You may even receive a discount for paying in full.If you can not afford to pay in full check out what rate a small loan would be you may still save some money.Fill out a online loan application.

5. Increase your voluntary excess.Your excess is the amount paid by you in the event of a claim,by increasing this your insurance company should reduce your premium.

6. Lower your annual mileage.Lowering your annual mileage can reduce your premium,most insurance companies will quote you for around 12,000 miles a year.Try and work out how many mile’s you will do if it’s likely to be less you may get a discount.Be honest about this as your insurance company may ask to see old MOT’S and service history to verify your mileage in the event of a accident.

7. Have a Alarm,Immobiliser or Tracker fitted.Theft of and from your vehicle play a major role in the calculation of your insurance premium.Having a alarm or immobiliser fitted will give you a small discount to your premium and having a tracker fitted could make you quite a saving.

8. Take the advanced driving test.Passing your advanced driving test will show your insurance company that you have extra skill when driving and are less likely to be involved in a accident.

9. Don’t inflate the value of your car.Adding extra value to your car when you apply for your insurance quote will do nothing for you apart from increase you premium.In the event your car is stolen or written off you will only be paid the market value of your car at the time of your accident.

10.Look after your credit rating.Insurance companies are now looking at your credit score as part of the calculation for your insurance premium.Maintaining a good credit rating could avoid unnecessary additions to your premium.

11. Insure your car Third Party Only.Third party only is the minimum cover you are required to have by law it’s also the cheapest.If your vehicle is of a low value then you could consider this type of cover.You need to remember that with this type of cover if you was to have a accident that any damage to your vehicle would not be covered for repair.

12. Keep a clean licenceInsurance companies take driving convictions very seriously and can dramatically increase your car insurance premium,by maintaining a clean licence proves to the insurance you are a safe and careful driver.

13. Remove any unnecessary drivers.If you have a young driver on your insurance policy that no longer use’s the vehicle you should remove them as this will reduce your premium.

14. Young driver’s add a older driver.Some insurance companies will reduce young drivers premiums if they have a older named driver on the insurance.

15. Build up your no-claims discountOne of the biggest factors affecting your car insurance premium is the number of years no-claim’s discount.You could receive up to 75% discount for around 5 years of no claims.The more years you can stay claim free the safer driver your insurance company will see you as.

16. Protect your no-claims discount.Although this will increase your insurance premium if you have a lot of years of no-claims you may want to protect this as a small claim may increase your premium by up to 75%.

17. Buy a lower insurance group car.A very important factor to your insurance premium is what car you drive.Most insurance companies adopt the Association Of British Insurance Group Rating.This rates vehicle’s from 1 - 20 generally speaking the higher the group the higher the premium.By buying a car with a lower group rating can lower your premium especially for young or inexperienced drivers.

18. Join a car club.If your vehicle is a classic or specialist consider joining a club related to your car most clubs offer insurance schemes which have very good premium rates.

19. Put your spouse as a named driver.Some insurance companies offer discounts when you add a spouse as a named driver as opposed to unmarried couples,they see marriage as a sign of stability and associate stability with safe driving and there for give you a discount.

20. Take pass plus.If you are a new driver consider taking your pass plus.some insurance companies could give you as much as a 25% discount and when you have just passed your test and have no no-claims this could make a considerable saving.

About The Author

Kev Higgnis

Article by www.thevirtualgarage.co.uk The free autotrader uk alternative

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