Car-Lotta Credit and Car Sales Blog

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How Long Can You Automobile Sit Without Being Driven?

Mon, 22 Feb 2021 13:00:00 +0000
The time it takes for your vehicle to be damaged by storage will vary. Factors including the location of your parked car and how well you prepared it are contributing factors. The negative effects of time on an undriven auto can be observed sooner than you may think: Fuel: Did you know that gasoline can go bad? When it’s not in an airtight container, fuel reacts with oxygen, which causes it to degrade. This process begins in about about 30 days. It only takes three-to-six months for a tank of gas to go bad. Old gasoline loses its engine-igniting abilities and develops gummy deposits as well as varnish which can damage other components of your vehicle’s fuel system. Battery: When you drive your automobile frequently, a battery should last between three and five years. When your vehicle is sitting, your battery will likely go dead in just two or three months. Why? Because when you drive your car, the vehicle's alternator continually recharges the battery to replenish the power you’re using. Not driving means no charging — and a dead battery. Rust: Rust is another byproduct of oxidation — It requires water to form. Damp conditions will often lead to rusted metal. Chemicals, like the salt used on winter roads can accelerate the process. You can expect bare metal to start forming surface rust in less than a week. The more time your vehicle is left unprotected, the deeper the rust can form. Tires: When your car sits for an extended period of time, flat spots may start to form in the tires. Tires develop a type of memory that prevents them from being completely round. This causes vibration when you drive the car after storage. Flat spots can begin to form after a month of a car sitting parked — and they’re made worse by low tire pressures. In many cases, driving a car for a while after storage can remove the flat spots. Often the damage can be permanent, requiring a new set of rubber. Belts and Hoses: As rubber ages it can start to dry out and crack. Because drivers are accustomed to replacing most vehicle parts based on mileage, many neglect to inspect their belts and hoses. When a vehicle is in storage, these parts may need to be replaced in as little as three-to-five years. Pests: For those critters in your garage, a parked vehicle may become a ready-made home. When they move in they can do major damage to a vehicle — chewing wires, plastic and insulation to build their nest. Rodents can move in overnight. The longer they’re left undisturbed, the more damage they can do.

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What Are Highway Mile Markers??

Mon, 15 Feb 2021 13:00:00 +0000
The little green signs along the side of the highway help signal each mile from one end of the state to the other. Numbers may start at the state line, or at the beginning of that specific interstate. For east/west highways, mile markers begin on the western state border and increase as you travel east. For north/south, markers begin at the south state line and increase as you travel north. Usually, exit numbers correspond to the mileage markers on the interstate. Car-Lotta reminds you that if you happen to be on a road trip and need assistance, paying attention to mile markers can be helpful to finding your location and instructing the help you need.

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How Would You Make Car Travel Safe During The Pandamic?

Mon, 08 Feb 2021 13:00:00 +0000
To protect yourself and slow the spread of COVID-19, whenever possible, you should avoid car trips with anyone outside your immediate household. When it can't be avoided, there are ways to reduce your potential exposure to the coronavirus. Not surprisingly, traveling by car can be risky. The confined space inside a a vehicle doesn't allow for proper social distancing, and the ventilation system is inadequate. Researchers have found that a viral load capable of infecting others can build up within a 15-minute drive and that respiratory droplets can remain for up to three hours. Roll down the windows The simplest solution is to roll down all the windows. This is not always an option in bad weather. The researchers also observed how the air moves through the cabin of a moving vehicle when various windows are open or closed and, more important, how that airflow may affect passengers’ exposure to virus-laden droplets.The best option is to open the window directly behind the driver and the front passenger's-side window. In that configuration the counterclockwise airflow separates the driver and passenger, limiting your chance for droplets to move between them. Car-Lotta reminds you to be safe!!

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Do You Know What To Do If You Break Down?

Mon, 01 Feb 2021 13:00:00 +0000
The decisions you make if your vehicle breaksdown are important and can have positive or negative consequences. Fortunately, most problems are preventable. If your vehicle does break down: Pull off the road as far away from traffic as possible. Remain with your vehicle. If you get out of your vehicle, watch carefully for traffic. Never stand behind or directly in front of your vehicle. If you CANNOT pull off the road switch on safety/emergency flashers. If you could get struck from behind, do not stay in the vehicle. Make sure your car is visible to other motorists; turn on emergency flashers, raise the hood, tie a brightly colored cloth to the antenna or hold it in place with a closed window, place flares or warning triangles to direct cars around your vehicle. If you smell fuel or see a fuel leak, do NOT light flare and extinguish any lit cigarette. Car-Lotta reminds you to read your owner's manual to clearly understand which dash lights or signals indicate your vehicle is not operating properly and what to do in such situations. Before a road trip, arrange for a free test of your vehicle's battery, starting, and charging system. This can help determine how much life is left in your battery and if any other components need repairs.

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How Do You Take Snow And Ice Off Your Vehicle ?

Mon, 25 Jan 2021 13:00:00 +0000
Here are some tips worth remembering when it comes to getting the snow off your car: Snow and ice flying off your vehicle's roof can cause accidents and even fatalities. Do yourself and other drivers a favor and take an extra minute to completely clear off the roof. Clearing both the windshield and rear window: increases your visibility. Be sure to break up snow and ice buildup around your windshield wipers and washer fluid nozzles, too. Removing snow from the side windows and side view mirrors areas can be just as important as removing it from your windshields since this will enable you to have clear vision to traffic both from the side and rear. Uncovering your headlights and taillights will help other drivers see you—and that’s especially important in poor winter weather conditions. It’s often against the law in many states to have your license plate obstructed in any way. It literally takes just one swipe to clear it. Car-Lottta reminds you that Pennsylvania Drivers can be fined up to $1,000 when snow and ice flying off of their moving vehicle causes damage or injury to another vehicle or pedestrian.

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What Are The Most Common Mistakes Of Winter Drivers??

Mon, 18 Jan 2021 13:00:00 +0000
Winter driving has its challenges. But throw an inexperienced — or inconsiderate — driver into the mix, and your daily commute can get much more difficult. It’s always aggravating when other drivers put you at risk. Getting stuck behind a driver who is spinning their tires or not paying attention isn’t just annoying… it’s dangerous. Winter driving calls for quick decision making, patience and a little bit of know-how. Below you’ll find ways to spot a rookie winter driver — and how to avoid looking like one yourself: Tailgating: Usually, drivers tailgate because they want the car in front of them to go faster. This is never OK, especially in the winter months. It takes longer to come to a stop in the winter, so you should always put more distance between you and the car ahead. Impatience on the road rarely pays off – tailgating just puts you and others at risk. Speeding: Speeding can get you into trouble quickly. Make sure you’re never driving faster than what is safe for the conditions. In snowy or icy conditions, that probably means driving below the speed limit. The faster you're going, the more likely you are to lose control or slide into another car. Expect traffic to move a little slower in the winter and allow extra time to get to your destination. Getting stuck: Driving through deep snow may sound like fun, but chances are it will leave your tires spinning. For your own safety, know when to stay off the road altogether and drive carefully to avoid losing traction in the first place. After all, getting stuck is easy – getting out isn’t. Ice on the windshield: If your car has snow or ice on the windshield, it can be tempting to save time by letting your wipers or defroster remove it as you drive. But driving without full visibility is like driving blindfolded. Use a snow brush or ice scraper to clear your windshield entirely every time you get behind the wheel. (And don’t just clear a little “window” you can see through!) Snow on the roof: If you’ve ever driven behind someone with snow on their roof, you know it can be an accident waiting to happen. If your car is covered in snow, take the time to clear your roof before you tackle the windows. You’ll keep snow from falling in your field of vision and from hitting the drivers behind you. Driving with high beams on: This can be frustrating in any condition, but some people think that high beams will increase your vision during whiteouts or heavy snowfall. In fact, fog lights and low beams will do much better. Learn what to do if you get stuck driving in a whiteout. Car-Lotta reminds you that just like other people's driving, winter weather can be unpredictable. Even the safest, most experienced driver can get into an accident.

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What Questions Do You Ask YOur Auto Mechanic??

Mon, 11 Jan 2021 13:00:00 +0000
These days most auto owners aren’t properly informed about common issues. Many car owners simply assume their mechanics are able to find any problems, fix them, and prevent future issues. This kind of thinking isn’t a smart and it may cost you a lot of time and money. It’s smarter to inform yourself about the workings of your car, the costs involved in maintaining it, and common problems it may face. When you do bring your mechanic, there are a few questions you should ask in order to make sure they’re properly diagnosing your problem and can actually fix it. Here’s what you need to ask your mechanic the next time your car heads to the shop: Can You Show Me the Problem? What Happens if I Don’t Fix This? Can I Have a Written Estimate? Are the New Parts Under a Warranty? How Did You Fix It? Car-Lotta wants you to be well informed when it comes to your auto needs.

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Happy New Year

Mon, 28 Dec 2020 13:00:00 +0000
2020 has been a strange and difficult year. The pandemic continues to disrupt our lives and keep many of us apart from those we love the most. This is especially tough now, during a season traditionally marked by the gathering of family and friends in celebration and gratitude. Even in the most difficult of times, we can still find opportunities to be grateful. This year more than any other, we are thankful for the opportunity to have you as our customer. We are grateful and honored that you've chosen us to help you with your automotive needs during this time of uncertainty . We're going to get through this together. We know what being part of a community is all about. We would like to wish you and yours a safe and happy new year. Car-Lotta Credit and Car Sales will be closed on January 1st 2021 in observance of the holiday.

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Happy Holidays

Mon, 21 Dec 2020 13:00:00 +0000
2020 has been a strange and difficult year. The pandemic continues to disrupt our lives and keep many of us apart from those we love the most. This is especially tough now, during a season traditionally marked by the gathering of family and friends in celebration and gratitude. Even in the most difficult of times, we can still find opportunities to be grateful. This year more than any other, we are thankful for the opportunity to have you as our customer. We are grateful and honored that you've chosen us to help you with your automotive needs during this time of uncertainty . We're going to get through this together. We know what being part of a community is all about. We would like to wish you and yours a safe and happy holiday season. Car-Lotta Credit and Car Sales will be closed on December 25th 2020 and Janyuary 1st 2021 in observance of the holidays.

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What Happens If There Is An Accident In A Parking Lot?

Mon, 14 Dec 2020 13:00:00 +0000
Accidents happen! Parking lots can be crazy places. Whether you’re at the mall, the grocery store or even just grabbing a quick coffee… all those vehicles coming and going can up anyone’s chances of being in a parking lot accident. Ever wonder if your insurance will cover parking lot accidents? WHAT HAPPENS IF I HIT SOMEONE ELSE’S CAR IN A PARKING LOT? If you do hit a car in a parking lot, here’s what to do next: Don’t leave the scene. If you drive away without telling anyone, that’s considered a hit-and-run. You could face a whole other set of legal issues if a security camera or witness spots you in the act. So do the honest thing and stick around. Get out of harm’s way. Even a simple fender-bender can block traffic or scatter broken glass. Make sure you’re a safe distance from anything dangerous and be mindful of the flow of traffic. If needed, put your hazard lights on to alert nearby drivers. Try to locate the car’s owner. Ask a store employee to page the owner of the car over the loudspeaker. Leave a note. It’s the right thing to do… and potentially even the law. Not leaving a note is considered a hit-and-run in the vast majority of states, even if the damage was just a small scratch. Keep it simple and polite. Include your name, contact information, and a brief explanation of what happened. Leave it in a secure spot where it won’t blow away. Consider calling the police. If the damage is serious, they can help you file an incident report and track down the car’s owner. Car-Lotta reminds you to call your insurance agent. Your agent is there to answer questions and help you understand what’s covered.

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Will You Be Traveling Over The Holidays?

Mon, 30 Nov 2020 13:00:00 +0000
The holiday season brings a number challenges that make safe driving difficult. During this time of year, there can be difficult weather conditions, limited daylight, and drivers in unfamiliar areas. Here are six ways you can drive safely and smartly this holiday season. 1. Plan Ahead Before you start your trip, make sure your vehicle is in good shape for travel. This is especially important for winter driving conditions. Check the weather before heading out to ensure the roads are safe to drive on. And don’t forget a windshield scraper! 2. Stay Fresh And Alert Make sure you’re well-rested before a long drive. A study carried out by The National Highway Traffic Safety Administration (NHTSA) discovered that, from 2009 to 2013, 72,000 crashes, 44,000 injuries, and 800 deaths were attributed to driver fatigue. Plan the trip so you share the driving and take regular breaks to avoid drowsy driving. 3. Mind Your Speed Give yourself plenty of time and distance to react to the traffic around you. An Automotive Fleet Magazine article notes that for every one percent increase in speed, a driver’s chance of an accident increases by two percent, the chance of serious injury increases by three percent, and the chance of a fatality increases by about four percent. 4. Drive Defensively Increased holiday traffic and winter road conditions can be frustrating. Put the safety of everyone in your car first by letting impatient and aggressive drivers pass you or go through the intersection ahead of you so that you control the situation. 5. Don’t Drive Impaired If you plan to drink, don’t plan to drive. NHTSA’s “Drive Sober or Get Pulled Over” campaign has set out to end drunk driving through cutting-edge technology. Using a designated driver when you have a couple of holiday refreshments is always the safest choice. 6. Avoid Distractions According to Distraction.gov, the “Official U.S. Government Website for Distracted Driving”, sending or reading a text takes your eyes off the road for five seconds. At 55 mph, that’s enough time to travel the distance of an entire football field. Driving requires your full attention. When you’re able to do so safely, pull off to the side of the road or find the nearest rest stop when you have to use your cell phone.

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Have You Seen Any Deer Lately?

Mon, 16 Nov 2020 13:00:00 +0000
Did you kow that that if you are involved in an accident in Pennsylvania with a deer your insurance company cannot add a surcharge to your premium? Under Pennsylvania state law, crashes involving deer are considered not-at-fault accidents, and insurance companies cannot add a surcharge to a policyholder’s premium as a result. This excludes drivers that do not come into contact with a deer. The autumn and early winter months have the highest rates of accidents involving deer, with November being the highest. Pennsylvania had the second highest rate of auto accidents involving deer in the country in 2019. Pennsylvanians have a one in 70 chance of being involved in a deer-related accident. Deer are most active at dawn and dusk, according to the Pennsylvania Game Commission. Daylight savings time ends November 1, which means that more drivers will be making their daily commutes during these peak hours. To report a dead deer for removal from PA state-maintained roads, you can call the Pennsylvania Department of Transportation at 1-800-FIX-ROAD.

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How Do You Get Your Vehicle Ready For The Winter?

Mon, 02 Nov 2020 13:00:00 +0000
Winter is almost here. Lower temperatures during this time of year can still cause issues with your vehicle. That’s why the right preparation is so important to safeguard your vehicle against cooler temperatures. Here are a few steps you can take to ensure your vehicle is ready for fall and winter. Change Your Oil Your owner’s manual will likely provide a schedule for how often your oil should be changed. However, changing before temperatures drop is a good idea regardless. Using a lower viscosity oil during the winter months is recommended, as thicker oils can have trouble flowing through your engine when temperatures go below a certain threshold. Test Your Battery Cold weather also increases your risk of a dead battery. Lower temperatures deplete battery power at a much faster rate, which means you might find your car unable to start at the most inopportune time. A battery tester is a great tool to have in your arsenal, as it can tell you the current condition of your battery. If you have an older battery with a lot of corrosion, it’s probably time for an update. Have Your Lights Inspected With fall and winter comes shorter days and longer nights. If you have a headlight out, your ability to see in the dark will be compromised. You’ll also have a greater chance of being pulled over and possibly even being ticketed for a traffic violation. Next time you start up your vehicle, have a friend or family member come outside with you for a light check. If there are any burned out bulbs, have them replaced as soon as possible. Schedule a Tune-Up There are many other components of your vehicle that can also be affected by winter weather, including belts and spark plugs. Scheduling a tune-up during fall gives you the big picture on the state of your vehicle. It also allows you to fix any issues before they get worse, and more expensive. Your mechanic can also top off fluids to keep your car running smoothly until next spring. Car-Lotta cares about your safety and well-being, which is why we offer automotive tips on how to properly care for your vehicle. Our core values, which include being trustworthy and hardworking, illustrate our commitment to you.

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Do You Know How To Get The Best Trade In Value For Your Vehicle?

Mon, 26 Oct 2020 12:00:00 +0000
Do you know the value of your vehilce? Knowledge is power. Before you head to a car dealership you should research the value of your current vehicle using a tool like Kelley Blue Book. Knowing your trade-in value will let you know if the dealer’s offer is fair. Make sure you shop around. You should get at least three estimates from competing dealers. This can help ensure you get top dollar for your old car. You can trade in a vehicle if you owe money, but it’s important to know that debt still comes out of your pocket. This means you’ll ultimately get less cash from your trade. Owe more than your car’s worth? Expect that negative equity to get rolled into your next loan. A deep clean and a record of repairs can make your car more marketable, and possibly fetch you a higher trade-in price. So keep that extra paperwork for some added bargaining power. You’ll need to negotiate. Just because a dealer makes a trade-in offer doesn’t mean you have to accept it. Following the above tips, like getting multiple offers and knowing your car’s trade-in value, can be powerful negotiating tools. Car-Lotta reminds you that following these tips can help increase the value of your trade-in, getting you into a new vehicle for less cash. Once you get the keys to your dream vehicle, you’ll need to make sure it’s protected.

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Would You Know How To Avoid Hitting A Deer?

Mon, 19 Oct 2020 12:00:00 +0000
The fall season is beautiful, but it also introduces a few different driving hazards… deer collisions being one of them. From October to December, mating and hunting season make deer go on the move. For drivers, that means you’re more likely to hit one. According to the National Insurance Crime Bureau, deer-vehicle collisions are the top animal-related claim in the U.S. Before you get too worried, here are some helpful tips on how to avoid hitting a deer… and how to handle things if you end up hitting one despite your best efforts. HOW TO AVOID HITTING A DEER Know where the deer are likely to be. Areas with high deer populations are normally marked with a bright yellow sign. Deer also tend to graze in wooded areas or open fields. When driving your usual route to work, be attentive to areas where you’ve seen deer in the past – they are likely to cross there again. Be alert at sunrise and sunset. Deer are more active during dawn and dusk hours. Use your high beams. When possible, use your high beams for better visibility. The extra light will help make it easier to spot a deer, or other animals, lurking alongside the road. Don’t rely on deer gadgets. Whether it’s a deer whistle, deer fence or other type of product to scare away the deer… don’t rely solely on them to keep deer away. Research isn’t exact on whether or not these products truly work. When you see one… you’ll probably see more. Deer travel in groups. If one comes across your path, proceed with caution in case there are more. Don’t swerve. Swerving isn’t always the safest option. Hitting a deer might often cause less damage than swerving to avoid it… and then hitting a more dangerous obstacle, like a vehicle in oncoming traffic. Car-Lotta reminds you to wear your seat belt. If you do hit a deer, wearing a seat belt decreases your chances of injury.

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Do You Test Your Lights?

Mon, 05 Oct 2020 12:00:00 +0000
Now that the days are getting shorter, you may find yourself driving home from work at dusk. When the sun is beginning to set, your lights need to be turned on. If you haven’t already, check that all of your lights are in good working order – including your headlights, side lights, brake lights, and signals. Ask a friend or neighbor to help you check them all. If any are dim or burnt out, replace them immediately. You will need these lights to see and be seen on the roads this fall. While you’re at it, wipe down the exterior of the vehicle so that there are no smudges on the headlights that can distort the light. Car-Lotta reminds you to drive safe!!

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Do You Drive For The Weather?

Mon, 28 Sep 2020 12:00:00 +0000
Fall is officially here!! Rainfall increases during fall. When it is raining or it has been raining, increase your following distance between your car and the vehicle in front of you. This can make the difference of having ample time to mitigate or avoid an accident. Inclement weather also causes slippery driving conditions that increase the risk of hydroplaning if you’re going too fast on wet roads. Even if you know the roads well or have no other cars around you, slow down. Car-Lotta remonds you to drive save in all weather conditions

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Did You Know That This week is National Child Passenger Safety Awareness Week?

Mon, 21 Sep 2020 12:00:00 +0000
When it comes to child safety, Car-Lotta reminds you that it is better to be safe than sorry. Child Passenger Safety Awareness Week highlights the importance of ensuring that all children are properly secured in an appropriate car seat or seatbelt. A child’s age, weight, and height can all play a factor when determining proper safety harnesses, so it’s important to keep up-to-date with all current regulations and suggestions. September 20-26 is dedicated to all things related to child passenger safety. HOW TO OBSERVE ​CHILD PASSENGER SAFETY AWARENESS WEEK Attend a child restraint inspection event Get your vehicle and car seats inspected to ensure that you are staying current with all safety recommendations. Talk about Child Passenger Safety Awareness Week on social media Highlight child passenger safety on your social media accounts. By spreading the word, you might very well save the life of a child. Donate a car seat Before parents can even bring their newest bundle of joy home from the hospital, they need to have a car seat ready to go. Consider donating a new one to a local charity in order to help families in need.

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Have You Checked Your Tires Lately??

Mon, 14 Sep 2020 12:00:00 +0000
Tires perform better on rainy surfaces if they have enough tread. And they stop faster and steer better on dry ones. Also, proper tire pressure helps keep you rolling smoothly and safely. Expect your tires to drop at least 1 pound per square inch (PSI) of pressure each month, no matter the weather. When the air cools in the fall, that accelerates. Tires will drop another pound per square inch of pressure for every 10 degrees of temperature drop. Check tire pressure with a good handheld gauge from an auto parts store when the car's been sitting two or three hours. Correct pressure will be noted on a decal pasted on the driver's side door jamb or the door itself and in the owner's manual. The pressure inscribed on the tire sidewall itself is a maximum and not the recommended inflation — though it might coincidentally match the recommended PSI for your car.

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What are you doing for Labor Day?

Wed, 02 Sep 2020 22:59:00 +0000
Labor Day is celebrated by most Americans as the symbolic end of the summer. In high society, Labor Day is (or was) considered the last day of the year when it is fashionable for women to wear white. Labor Day marks the beginning of the NFL and college football seasons. NCAA teams usually play their first games the week before Labor Day, with the NFL traditionally playing their first game the Thursday following Labor Day. Most school districts that started summer vacation in mid June will resume school near this day. The first Labor Day in the United States was observed on September 5, 1882, in Boston, by the Central Labor Union of New York, the nation's first integrated major trade union. It became a federal holiday in 1894. Singed into law as a National Holiday by Grover Cleveland. All Car-Lotta Credit locations will be closed Monday, September 7th in observance of the holiday. We will re open on Tuesday, September 8th at 9:00 am

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How Well Do You Know The PA School Bus Stopping Law?

Mon, 24 Aug 2020 12:00:00 +0000
Motorists must stop at least 10 feet away from school buses that have their red lights flashing and stop arm extended. Motorists must stop when they are behind a bus, meeting the bus or approaching an intersection where a bus is stopped. Motorists following or traveling alongside a school bus must also stop until the red lights have stopped flashing, the stop arm is withdrawn, and all children have reached safety. If physical barriers such as grassy medians, guide rails or concrete median barriers separate oncoming traffic from the bus, motorists in the opposing lanes may proceed without stopping. Do not proceed until all the children have reached a place of safety. Car-Lotta Reminds You That Schools Will Re-Open SOON.... Well, maybe!

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What Do You Use To Was Your Automobile?

Mon, 17 Aug 2020 12:00:00 +0000
For many vehicle owners, washing a car by hand is a therapeutic act as beneficial for the person's state of mind as to the vehicle's appearance. Fequent washing is also the best way to maintain a new-car finish. As simple as washing your autoseems, there are some things to watch for so that you don't accidentally scratch or degrade the finish. Here are some basic car-washing tips. Don't... use household cleaning agents like hand soap, dishwashing detergent, or glass cleaner on the paint. These aren't formulated for use on a car's paint and may strip off the protective wax. Do... use a dedicated car-wash product, which is milder and specifically designed for use on automotive paint. Apply the suds with a large, soft natural sponge or a lamb's-wool mitt. Grease, rubber, and road-tar that is picked up from the road often accumulate around the wheel wells and along the lower edge of the body. These can be stubborn to remove and may require a stronger product, such as a bug-and-tar remover. Use a soft, nonabrasive cloth to remove these deposits, as they can quickly blacken your sponge. Do... use a separate sponge to clean the wheels and tires, which may be coated with sand, brake dust, and other debris that could mar the car's finish. Mild soap and water may work here; if not, a dedicated wheel cleaner may be required. Be sure the cleaner is compatible with the type of finish (paint, clear-coat, chrome, etc.) used on the wheels. A strong formula intended for mag wheels, for instance, can damage the clear coat that's used on the wheels that come on today's cars. To be on the safe side, choose a cleaner that's labeled as safe for use on all wheels. Car-Lotta wants you to keep your 4 wheel baby clean!!!

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Who Is Driving Your Vehicle

Mon, 10 Aug 2020 12:00:00 +0000
Do You Ever Let Someone Drive Your Vehicle ? If you own a vehicle, chances are you've let a friend or family member borrow it at least once. There are plenty of reasons to hand over the keys. Maybe you needed a relative to pick up your kids from school or you're helping someone get to work after their car broke down. Did you know that in the event of an accident... it's your auto insurance policy that would have to pay? The number one misconception about loaning out your vehicle is that if you let your neighbor borrow your car, an accident should go on their insurance because he or she was the one driving but in private passenger auto insurance, the coverage typically follows the vehicle, not the driver . Let's break it down. DOES MY CAR INSURANCE COVER OTHER DRIVERS? Insured drivers include: Resident relatives: Most personal auto policies provide coverage to the named insured, their spouse or domestic partner and any other resident relatives. So if someone is a member of your family and lives in your home, they're automatically an insured under your policy unless excluded. Domestic partners: If someone lives with you but isn't a relative, they are not named insureds under your policy. However, if you're living with a domestic partner, they can be added to your policy as a named insured but only if your relationship is the long-term, committed type - you share domestic responsibilities and have joint financial obligations. All you have to do is call your agent and let them know. They'll send out a short driver questionnaire and check your partner's driving record to determine eligibility. Someone with permissive use: If you loaned out your vehicle to a friend or neighbor, your policy generally will cover them - as long as you gave your permission. If they are a regular and repeated user of the car, they should also have coverage. The only exception is if a driver has been specifically excluded on your policy. Finally: If someone else is regularly driving your car, it's important to let your agent know. Chances are, anyone you let borrow your car will fall into one of these three categories. Car-Lotta reminds you that just because someone is covered doesn't mean loaning your car is risk-free.

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How Ofter Do You Wash Your Auto

Mon, 03 Aug 2020 12:00:00 +0000
Have you ever parked your car at the office or grocery store only to come back and find that a ‘helpful’ citizen has written ‘please wash me’ across the back?
 
 It’s  funny when that message is on someone else’s auto, but it’s extremely disheartening when that mud-caked dust-adorned vehicle belongs to you.
 
With a busy schedule and seemingly more important things to do, washing your auto often falls by the wayside-

The general rule of thumb is to wash your car every two weeks or so. There are special circumstances that might increase or decrease that frequency.  If you keep it in a garage and only drive once or twice a month, such regular washing might not be necessary.

What’s important is that you take care of your vehicle—yes, even its outside. Washing your car frequently is a great and ultimately inexpensive way of protecting your investment in it.

Car-Lotta wants you to make sure you’re setting aside some time for routine  washes!

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Doe Your Auto Insurance Cover Vandelism?

Mon, 27 Jul 2020 12:00:00 +0000

If you have the right auto insurance coverage, you’ll usually be covered in the event of vandalism. Comprehensive coverage can pay for damages that occur outside of a auto accident, such as vandalism, fire or theft, minus your deductible. Your deductible is the amount of money you will have to pay toward fixing or repairing your car before your insurance kicks in.
This coverage, as well as collision coverage, may be required by your lender if you still owe money on your auto. It’s optional if you own your vehicle outright. But given the cost of repairing a vandalized vehicle, you may find it unwise to go without it. Your local  agent can help you decide the amount of coverage that makes the most sense for you.
Repair costs will vary based on your vehicle’s make and model as well as the extent of the damage. Without the right protection, you’ll pay for those repairs out of your pocket.
Comprehensive coverage can help cover expenses to fix broken locks, windows and whatever else the culprit decided to smash.  Car-Lotta Car Sales reminds you to check with your  agent to see if your policy covers vandalism and what else you can do to protect your investment.

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