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Insurance policies are always tricky to understand given the hundreds of hidden clauses appended to the policy coverage. More often than not, policy holders sign up for their insurance without reading all the clauses, and it affects them in the event of claiming the money. Understanding what the policy can cover and how to deal with insurance disputes help the policy holders file claims faster and get the money faster.

Collision insurance:

Collision insurance is the most common coverage that people opt for, along with liability insurance. Liability insurance is the insurance that all motorists must carry in USA, in order to protect other drivers and automobiles on road in the event of an accident. Third party liability only covers the other party in the event of an accident and leaves the policy holder high and dry. If the motorist involved in an accident is at fault and does not have collision insurance, then the costs of damage may not be fulfilled by the motorist and the party involved in the accident suffers financial loss for no fault of theirs. Opting for an insurance policy that covers all expenses related to the accident, irrespective of third party liability insurance is essential to avoid complications. Collision insurance policy covers all expenses related to automobile in the event of collision with other automobiles, trees, parked vehicles, compound walls or any other kind of collision. Buying a collision insurance ensures that the automobile will be returned to normal operation, irrespective of the damage caused in an accident. Collision insurance covers the automobile damages irrespective of the fault of driver. Even if the policy holder is at fault, collision insurance pays most of the amount in reviving the automobile.

What should be understood?

Collision insurance covers the damages resulting in a collision, but whether the car must be replaced by a new one or not is determined only by the insurance company. The extent of the damage done in a collision is determined by the insurance company, and the way in which the damaged vehicle can be revived is decided by the company and not the policy holder. The insurance company may decide to replace the car if the repairing costs may exceed the car value. The auto parts which can be repaired will be repaired and not replaced. The auto parts which should be replaced may or may not be from the original manufacturers. Policy holders must take care that the auto parts which are being replaced are of high quality and not substandard ones.

The source of article

Foreign cars have always held an unholy fascination for the leaders of the Sports Car Club of America. Indeed, it was the existence of these little beepers that brought about the organization’s founding and fostered the wire-wheel/tweed-coat tradition that persists to a limited degree today. Imagine, then, the excitement generated among the sports car set by the announcement that two factory-assisted Jaguars would appear at the annual SCCA national championship races at Road Atlanta. The effect was no less heartening than telling Scarlett O’Hara that the Yankees had been turned back at Gettysburg and the field hands would be back at work tomorrow.

The E-type V-12 prepared by Group 44 and driven by Bob Tullius qualified on the pole for the B Production race only fractionally ahead of the Joe Huffaker-prepared Jaguar driven by rising star Lee Mueller. Tullius’s qualifying time of 1:31.18 (99.7 mph) on the 2.52-mile course was the fastest production car performance of the weekend. With Huffaker’s gray Jaguar sharing the front row with Group 44′s bathtub-white E-Type, all the necessary elements appeared ready to insure the re-establishment of a big-bore British beachhead.

The Jaguars were powered by 326-cu. in. V-12s freshly developed in separate programs by Group 44 and Huffaker. Both claimed over 400 hp, with that figure borne out by Huffaker’s dynamometer figures. (Group 44′s engineering whiz kid Brian Furstenau developed the engine for Tullius’s car without the aid of a dynamometer.) At 2860 pounds, the Jaguars weighed in only 50 pounds lighter than 1973′s winning B Production car, the Bill Jobe Corvette, which was powered by a 350-cu. in. V-8. Jobe’s car, formerly owned by Allan Barker, had seen the B Production winner’s circle five times, a chain Jaguar fully expected to break once and for all.

Both Huffaker and Group 44 own unquestioned reputations for high-quality race car preparation. The two cars fielded at Road Atlanta served to further buttress this tradition of excellence and were anything but economy club-racers. Huffaker estimated that his version cost $25,000 over and above the car itself ($9000 list) while Tullius offered the staggering figure of 3500 man-hours alone, never mind the dollar cost. No one present would have offered a straight-faced objection to either figure, except that Huffaker’s dollar figure seemed low.

British Leyland officials — who fairly teemed in the paddock — explained the expenditure of considerable funds on the Jaguars as a simple sales effort. Racing has helped sell other BLMC products and the U.S. arm of the corporation felt that Jaguar could also reap marketplace benefits from competition activities.

By late Sunday afternoon, interest in the Jaguars had peaked nicely and the race was flagged away at the proper theatrical moment. Tullius jumped into the lead and led Mueller into the first turn. It soon became apparent that Mueller’s left front tire was softening, a circumstance that put him out of the race after running second for six laps. The smiling Californian made no effort to return, parking his E-Type and contenting himself with having won the D Production race with a Jensen-Healey earlier that day. Tullius zoomed on, followed by the dark blue Corvette of Bill Jobe. After a dozen of the scheduled 18 laps, it became apparent that what had been a two-car parade was becoming a two-car race.

With Tullius suffering minor braking problems, Jobe steamed into the lead on the fifteenth lap and motored away to the victory. Understandably transported by his second national championship, Jobe babbled away happily after the race while Tullius, pleading a paining leg, did not deign to appear in the press box.

In the British Leyland motorhome, a box containing "Bob" and "Lee" tickets was quietly taken away to the trash barrel. "Win $50" the sign on the box had said. All one needed to do was to select a ticket for the appropriate Jaguar, place it in the box and have it drawn after the race. Unfortunately, there had been no tickets labeled "Bill," so no one won the $50. But don’t bet that the ticket box won’t be back next year.

Article source: http://www.caranddriver.com/features/archive/demise_of_the_cat-sport

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