Posts Tagged ‘women’

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Are women safer drivers than men?

Monday, April 25th, 2011

The European Court of Justice’s ruling that prevents insurers from using gender as a risk calculation factor is already reshaping the insurance industry. Many have predicted rising costs across the board for women buying life, car and health insurance. But what will be the real implications of the new ruling? Are women going to be hit in their wallets?

Car insurance for women at moneysupermarket.com have benefited from cheaper insurance premiums than men for a long time now. In calculations for health insurance, life insurance, car insurance and annuities, the fact that women are seen statistically as a lower-risk group than men has meant women benefit from lower costs.

That is all set to change in December 2012, when the ECJ’s March 1st ruling on gender discrimination comes into effect, banning insurers from using gender as a factor in their calculations.

The statistical data is so conclusive in showing women to be safer drivers that companies like Sheila’s Wheels were set up to cater especially for women’s car insurance, offering preferential lower rates that were unavailable to some men.

Maggie Craig, Director General of the Association of British Insurers, spoke out to cool the fears of women who might be worried about their insurance costs skyrocketing.

The price of an insurance premium for a woman under the age of 24 is expected to rise by an average of 24 per cent, with the youngest female drivers facing a 60 per cent price hike.

Clearly, business models like the one adopted by Sheila’s Wheels are under serious threat.

Upon reaching retirement, people will often buy an annuity with their pension fund to guarantee them a fixed income for the rest of their life. Because women statistically live longer than men, a woman will more often than not be offered lower payouts than those offered to men with an identical pension fund.

She said: “Not all customers will be equally affected as the use of gender can vary significantly between products and different companies. Each company will have to respond to the ban in the way they feel is in their customers’ interests.”

George Ladds, Head of Pensions at Fair Investment Company, said: “Either rates for men and women will be brought in line to create ‘unisex’ annuity rate, which will probably see men’s rates go down more than women’s go up - or annuity providers will have to start looking at each case individually, which is more expensive, and that cost will be passed onto the consumer. “Either way, the consumer loses out on both choice and value. Annuity rates are already low, and this could be the excuse providers need to pull them even lower.”

Life Insurance

He added: “It is particularly alarming given that the head of the Association of Police Officers in the UK in 2005 noted that the biggest killer of young women in Britain is their boyfriend’s and male friends’ driving.”

The cost of life insurance premiums is also going to be overhauled as a result of the ECJ’s ruling. The Association of British Insurers predicts a 20 per cent rise in the cost of life insurance for women, while men will benefit from an average eight per cent reduction as life insurance calculations are evened out between the sexes.

Maggie Craig, Director General of the Association of British Insurers, called to women not to be put off buying essential cover by the new legislation:

Health insurance

Health insurance, unlike life insurance, costs women more, because statistics say that they’re more likely to suffer illness and claim on their insurance policy. As of December 2011, then, this will not be the case, and women’s health insurance rates are most certainly set to fall.

“Either way, the consumer loses out on both choice and value. Annuity rates are already low, and this could be the excuse providers need to pull them even lower.”

More top car insurance tips including a list of the top womens car insurance can be found at moneysupermarket.com

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Why the Cost of Britain’s Car Insurance is Set to Skyrocket?

Sunday, April 24th, 2011

With cars having always been a generally expensive commodity anyway, the economic downturn has really seen drivers suffer. The last few years have also seen the price of pretty much everything grow, not only has car insurance risen over the last year, having increased at a rate of 40 pence per day, but we have seen a significant increase in the price of fuel as well, paying an average of 15.8p per litre more than we were only a year ago. But why?

It’s likely that you will by now have heard about the European Court of Justice’s new ruling that sex discrimination is no longer a valid means of calculating the cost of insurance, which is going to have a massive impact on insurance industry practice and our premiums across the board - especially, though, when it comes to car insurance.

Women are set to pay an average of 25 per-cent more than they do now, and men seeing an average 10 per-cent reduction on their insurance, it’s more important than ever to make sure you find the most competitive insurance company in business.

When it comes to companies like car insurance comparison websites like moneysupermarket.com, they can provide help and info about any price hikes in the industry by using their car insurance comparison tool - the great thing about it is that you just have to enter your details once and they do all the searching and hard work for you by obtaining quotes from over 50 car insurance companies. This relieves you from having to obtain quotes from lots of different companies. When the time comes for you to renew your policy, and so there’s absolutely no excuse for just remaining with your current insurer and paying the hefty price.

Peter Harrison, an insurance expert for the comparison site, believes that we’re an apathetic nation when shopping around for car insurance: “Insurers count on customer apathy to reap the profits, so it is alarming so many motorists are prepared to waste their hard-earned cash by not looking for a better deal”. MoneySuperMarket estimates the UK’s 6.3 million drivers lose around 1.7bn per year collectively because consumers don’t shop around for their car insurance.

Another contributing factor to the rising cost of our car insurance is the problem of uninsured driver accidents. The British Insurance Brokers’ Association (BIBA), who has itself been lobbying for a regulatory system since 2004, calculates that it costs policyholders an average of 30 a year, and that 160 are killed and 22,000 injured every year, all at the hands of uninsured drivers.

Additionally, the UK has one of the worst records in Europe for uninsured driving, according to the MID. An estimated 1 in 20 cars on the road is driven either completely without or incorrect (and therefore invalid) insurance, costing the nation’s drivers an incredible 500m per year.

Fortunately, a new Act called the Continuous Insurance Enforcement Act is aiming to deal with the problem. This will mean that cars can no longer be owned without either registering their vehicles with a Statutory Off Road Notice (SORN) or insuring them. This means that even those owners whose vehicle remains physically off the road on the drive or in the garage (even if it’s jacked up on bricks and without vital components), will be breaking the law if they haven’t applied for a SORN or insured it. The new act is due to come into effect in April 2011.

However, while the Act has been welcomed by many, concerns that it doesn’t go far enough have been voiced by some. For example Direct Line’s Andy Goldby, director of motor underwriting, has commented: “We welcome this initiative, but with uninsured drivers costing British society around 500m each year, the severity of penalties must act as a deterrent to those considering driving without insurance.”

After all, what’s the point of imposing a 300 fine on somebody who would have had to pay over 2,000 in the first place for their insurance? It remains to be seen whether or not this act will have a positive effect on the cost of car insurance.

Another massive cost incurred by car insurance policyholders is that generated by accident claims and the expanding personal injury lawyer business.

Insurers claim they are having to pay out more than they are taking in, and a survey carried out by actuarial consultancy and industry experts EMB revealing that in 2009, the retail motor industry paid out 1.20 in costs and claims for every 1 received in premiums, making 2009 one of the industry’s least profitable years on record.

Another report from EMB, presented to the Commons Transport Select Committee in 2010, said: “Over 40 per cent of personal injury lawyers pay referral fees to receive work from insurers or claims management firms. Fees range from 200 to 1,000 per referral.”

The report also stated: “In our view, the biggest single factor driving price increases is the burgeoning cost of bodily injury claims… We estimate that twenty years ago bodily injury claims accounted for around 20 per cent of UK motor insurance claims costs. In 2010 we now estimate that proportion to be 50 per cent.”

Figures show that 341,592 people were killed or injured on Britain’s roads in 1989, compared with 222,146 people in 2009, highlighting that the increase in costs just doesn’t add up.

Published in January 2011, the Jackson Report, found that insurance premiums increased by 40% in 2010, and are set to see a further increase of 20% in the year ahead. Personal injury claims now account for an astonishing 50% of the cost of our car insurance premiums.

So now, more than ever, it’s essential that you make sure your insurance provider is giving you the best value on the market.

For additional info on cheap car insurance for young drivers from moneysupermarket, head over to their website now!

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What Happens Now With The End of Sex Discrimination In Insurance?

Thursday, April 14th, 2011

With the ECJ’s historic ban on gender discrimination in the insurance industry now looms the monumental task for Britain’s insurance industry to completely change the way it works. But what does it mean for men and women across the UK?

Brought by the Belgium Consumers Association, the case challenges the EU Gender Directive’s Article 5, which allows insurers to charge men and women differently based on their sex if it is a “determining factor” in risk assessment, and where it is also based on “relevant and accurate actuarial and statistical data”.

This equalling of the playing field means that the cost of car insurance policies will significantly decrease for men & increase for women - a change to which a lot of media attention has been given. But what about the rest of Britain’s insurance industry?

With substantial evidence having shown definite results over the years that women are safer drivers than men, the ruling has been met with a great deal of apprehension.

As of the end of 2012, insurers will no longer be allowed to evaluate risk based on a person’s sex, and as a result, premiums for women are expected to rise greatly, while premiums for men are set to reduce.

However, it’s not all good news when it comes to insurance for men. The ruling applies not only to car insurance but across the entire insurance industry, so the ruling will carry some negative implications for them, too.

Annuities

An annuity is usually bought with a pension fund when a person approaches retirement, and with this they are guaranteed an income for life.

Data such as gender, age and health are all used to decide the annual income they can buy with their retirement pot - estimating how long they are likely to live.

According to the statistics, men don’t usually live as long as women, and have always generally been offered higher annuity payouts than a woman with exactly the same pension fund.

The new ruling has changed all this however, and will inevitably see men paying more. The Association of British Insurers (ABI) estimates that women will see a rise of about 6% and men will see an 8% decrease in annuity rates when approaching retirement.

Joint annuities, typically purchased by men, are also set to see a price escalation, so women who rely on their husband’s pension fund will also suffer a lower retirement income.

Head of pensions at Fair Investment Company, George Ladds, has warned that if annuities are to stay appealing, the industry has to rethink how it prices annuities: “Either rates for men and women will be brought in line to create ‘unisex’ annuity rate, which will probably see men’s rates go down more than women’s go up - or annuity providers will have to start looking at each case individually, which is more expensive, and that cost will be passed onto the consumer.” He added: “Either way, the consumer loses out on both choice and value. Annuity rates are already low, and this could be the excuse providers need to pull them even lower.”

Life insurance

According to statistics men are more likely to die earlier than women, paying larger premiums than women for their life insurance.

The ABI approximates that men will see a projected 10 per cent decrease on the cost of their cover whilst women will see their premiums go up by as much as a 20 per cent.

ABI’s acting director general, Maggie Craig, warned women not to reconsider buying cover that they need. “Not all customers will be equally affected as the use of gender can vary significantly between products and different companies. Each company will have to respond to the ban in the way they feel is in their customers’ interests.”

Health insurance

Health insurances such as payment protection policies and critical illness cover, unlike life insurance, cost women more, because statistics say that they’re more likely to suffer illness and claim. As of December 2012, then, this will not be the case.

Car insurance

The British Insurance Brokers’ Association and the AA both advise that this will see women paying around a 1/4 more than they currently do for their car insurance, while younger female drivers will see an even bigger increase.

Describing the ruling as “flying in the face of common sense”, insurance group RSA argued: “It is completely disadvantageous to the very people it was intended to protect and prevents insurers from using a legitimate rating factor.”

MoneySupermarket have more top insurance tips including a list of the top MoneySupermarket.com short term car insurance deals.

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Steps To Take When Involved In A Minor Car Accident

Monday, September 13th, 2010

Minor accidents and mishaps are common with any car or vehicle. Even with an insurance agreement governing you, this occurrence stands to create some negligible stress and anxiety in us.

However all said and done you will be left fretting in times of an accident not knowing what to do next. It is always better to know what process is required to be followed in such cases.

When in case of a minor brush with the other vehicle, if there are no serious injuries to anyone, the best option is to drive or push to the side of the road and park so that the traffic can flow smoothly.

Always when in an accident on the road, switch on the hazard’s light so that the other vehicles approaching are able to stop well ahead and avoid further collision.

The next best thing would be to report to the police about the occurrence. If it is a minor mishap chances are that they may not come in immediately if they are not in the vicinity. But insurance process requires that you register and file the report with the police and hence this has to be complied with.

You will need to collect all the details of the other vehicle driver. The details should include his name, license number, address, insurance details along with vehicle details, number, registration, model etc.

There is no need to have any conversation as to who was wrong and to admit that you were at fault. The police will decide who was at fault and report to the insurance.

Your job is over with informing the insurance company about the accident and giving them the details including the photos if possible. Then you can leave it to them to sort out the matters further.

Refer to additional pieces of work written by this very writer dealing with things such as carpet stretching and carpet prices per square foot.

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Finding A Cost-Efficient Automobile Insurance Coverage

Wednesday, July 14th, 2010

Given the current economy, individuals frequently discover themselves looking for the greatest deals in nearly everything. Really, the monetary crisis has changed the meaning of the word consumption.

This can be especially accurate when looking for automobile insurance policy plans. You can find numerous things which you need to consider. For instance, your monetary standing, car as well as the sort of protection you desire to have.

The main question is - can you even now get all of the rewards with low-cost automobile insurance policy business? You’ll need to shop around to find the answer to this question.

Buying an insurance plan can be pricey, but it must be done. Nevertheless, there some actions that you simply can take in order to obtain a cost-efficient insurance plan.

Perhaps the most fundamental task would be to go company-hopping. There is not any need to have to go to the organization directly. Let your computers do the job for you. Do this via the Web and you’ll discover yourself lowering your personal gas intake. That’s a great beginning in searching for affordable vehicle insurance plan.

Explore numerous organizations and see how their rates and services compare. Don’t be fooled by companies that claim the lowest rates but don’t provide all of the protection you need.

You must really look at each and every benefit provided closely. Then you could persist by analyzing your specific wants and make an effort to match these wants using the details you might have gathered.

Prior to buying something, consider some essential elements. The kind of vehicle you drive may be the very first element.

Drivers of luxury cars are likely to find themselves paying the highest insurance rates. However, if you might have a rarely-used automobile which can be tiny in size and not really new, then the premium rates are not likely to be a large deal.

See more writing pieces by this author about subject matters like ethernet cord and the custom built computer.

categories: insurance,autos,personal finance,finance,investment,family,parenting,women,men’s issues,teens,advice,reference,goal setting,motivational

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Car Insurance For Women: Knowing How To Get The Best Deals

Thursday, June 10th, 2010

Women aren’t any better at driving than men, but why is it that car insurance for women can produce such fantastic deals? Car insurance companies are only interested in knocking down insurance companies if they’re less likely to pay out. And, because statistics show women have a lower mileage, make fewer claims, and make less expensive claims, females are often given better rates than males.

How to Choose Cheap Car Insurance for Women

Like any car insurance deal, policies aimed specifically at women will have major differences. For example, some may be fully comprehensive, whereas others may offer third party only, or third party with theft and fire. Choosing more comprehensive policies will increase your overall premium, though you may find that female friendly policies are only included by some insurers at the comprehensive level - it all depends on which insurer you choose.

Women’s car insurance is also seeing a growing trend for certain add-ons. For example, many insurers now offer coverage for items such as purses (and their contents), should they be stolen from the vehicle.

Any insurance policy is going to take a look at your history to determine your price, so don’t expect a discount just because you are female. Younger female drivers, just like younger men, are going to find it more difficult to get the best prices due to a lack of experience. Time spent with no claims will help to reduce premiums in the future.

Can Women’s Car Insurance Deals Help Men, Too?

It may seem contradictory to even suggest it, but there are ways in which men can also benefit from cheap car insurance for women. If you share a car with a female relative or partner, it’s well worth comparing the cost of being added as a named driver to the cost of taking out your own insurance policy. Men can also help to bring their costs down by adding a female as an additional driver to their own policy. There are no hard and fast rules, so it pays to do your research and compare options.

Car insurance for women can be a fantastic way of reducing insurance costs, even for men! All it takes is a little research and comparison to find a policy that suits you.

Want to save yourself money and effort when it comes to finding cheap car insurance for women? Comparison is the key when it comes to getting the best deal, so head on over to Car Insurance for Women to see how much you could save.

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All Round Radials or Winter Tires Studded Or Chains

Saturday, November 28th, 2009

Wintertime driving can be more than challenging and even downright dangerous. Now before the cold winter descends on us from Canada preparation for the driving conditions that await us in the snow and ice are in order. Prepare your vehicle - be it auto, car, truck or SUV now. It pays to work ahead. Why wait for spring or in this case winter-time cold weather driving .

Some people and authorities will hold that all season year round radial tires are “just fine”. Others will say not and that you need a distinct set of tires for the winter-time season , these are referred to as “Snow Tires”. To the greatest extent it depends on what geographic areas that you live in and traverse, your climate and your driving habits and trips. You may have roadside assistance offered as part of a package from your new or used car dealer that you purchased your auto , tires or battery from , but why take the chance of inconvenience and delay ?

You may well have heard the click click click sound of studded snow tires emanating from a passing vehicle. Studded tires ones with tungsten , carbide or ceramic studs buried in the tyre treads perform well on packed snow or ice, almost as well as winter-time snow “chains” However due to the damage done to highways and roadways not all states allow the use of wintertime studs. At last count for the 2009 / 10 winter season fully 36 out of the 50 states allow these traction devices - within seasonal time of year , geographic with some provisos on modifications of the devices. Six states (Colorado, Kentucky, New Hampshire, New Mexico, Vermont, and Wyoming) allow virtually unrestricted use of studded tires on state roads and highways. Lastly there are seven states , mainly in warm southern climes, who distinctly prohibit their use. Think again if you are going to traverse the United States highway beltway system, from home in Northern or Edmonton Alberta escaping Jack Frost for a well earned Christmas break vacation in Florida or Texas, and driving safely over ice with studded tires. Take the time and expense to switch back to your all season or even summer set of radial tires yet you have nice discussion and highway traffic fine from a friendly state trooper just waiting there for you.

If there is one lesson in life its plan early. Most people whether its for their income tax , or automotive repair or maintenance wait till the very last minute. Its a case of putting out fires or management by crisis. You can bet when that on that very day of the cold snap , when the snowstorm / blizzard arrives that the wait for the CAA or AAA rescue tow truck will be hours and hours . On top of that just venture into the icy parking lot or service repair area of your local Canadian tire only to find that out the long waiting times involved for even an estimate for your vehicle. On top of that it does not take a genius to spot that with all the frost covered windows of frozen vehicle out there on the lot that you are really at the end of line when it comes to auto repair service. Spare yourself the inconvenience and delays that are unnecessary. Plan ahead , early for your winter tune up and to buy snow tires and winter time tyre chains long ahead of the first storm and the maddening rush.

In terms of tire chains the experts state that all considered that the welded lug types are the best type to purchase and choose if you do install and use the chains often. This can well be the case if you live in an area of the Rocky Mountains or are planning a ski trip to Banff , Lake Louise or Montana. Consider also the the overall convenience to motorists of chains involved for simple , simpler and easy to install alternate models, These models are a very good choice for the driving demands of many drivers and motorists that can easily and simply be installed without jacking up or moving your vehicle - be it truck, car or S.U.V..

Wintertime Dodge Ram Truck Winter Tires Studs Chains Fort Mc Murray and Winnipeg Used Auto Info

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Save Money On Auto Insurance Go Direct

Thursday, November 5th, 2009

If you’re like millions of other people across the country these days, you may be looking for ways to economize and stretch your dollars. If so, you may want to take a look at direct auto insurance as an alternative to using the traditional insurance agency for insuring your car.

In direct auto insurance or home insurance, you deal directly with the insurance company without the buffer of an insurance agent. These types of firms have been popping up on the Internet over the past half decade. They offer discount rates and primarily an online presence. 1-800 numbers are provided, and some have actual bricks and mortar locations. Direct General Insurance, for example, has 480 locations over 12 southeastern states in the US.

Many direct auto insurance companies confine their reach to states or localities that mandate some variation on a no-fault insurance system for all drivers. Under no fault programs, the need for insurance agents is greatly reduced. Under no-fault legislation, insurance companies compensate their insured drivers (and the driver’s passengers) for their losses in an accident without the need for an assignment of blame.

In no-fault localities, the cost of damages and losses is covered for every driver and the driver’s passengers by the driver’s insurer. If an insurance company wants to claim negligence on the part of the other driver, a civil case must be initiated after the compensation has been dispersed. Insurers know their bottom well and rarely go to court, absent evidence of fraud or other mitigating factors against claim settlement, so civil cases are reduced.

The purpose of going no-fault is to reduce wait times for accident victims. The only kink in the pipeline is at the insurance appraiser stage. No-fault states typically avoid creating a bottleneck in the claims settlement pipeline at the appraiser by instituting state-run or licensed collision centers. For these reasons, insurance companies are willing to run in no fault states exclusively and offer no agents but provide attractive discount rates.

If there is an area in which one is vulnerable under direct auto insurance, it is in claims that are complicated by physical injury. The affects of a physical injury can continue throughout a person’s life. With an agent, the consumer has someone who is familiar with their case and can navigate the insurance process on their behalf. And the agent is available to do that at the start of the injury, when the consumer needs the help the most. It simply is not possible for a call center to take the place of face-to-face contact.

With more and more consumers become aware of options that are available for their insurance dollars, the direct auto insurance is gaining the upper hand. Many such companies now have claim agents that are assigned to the insured and remain on the case until settlement. When considering going with a direct auto insurance firm, check them out carefully - do more than get a rate. You can go to the Insurance Institute of America website and get more info on any direct auto insurance firm.

Buying car insurance direct is never going to be as cheap as getting it at a thanksgiving sale but you should be able to get a great deal. When you go searching for a way to spend the money you save you should wait for the Cyber Monday Sales

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Your Trucks Rad and Coolant Levels Require Ongoing Attention

Saturday, October 24th, 2009

When most drivers think of their autos cooling system all that comes to mind is their radiator ” the humble rad. The cooling system of your car keeps your autos engine within normal ranges and provides you both comfortable maintenance free driving and heat from their interior car heater during the cold winter time or to defrost their windshield.

Its like brake or transmission in a vehicle - be it car , truck or SUV. Few think about their fluid levels or the last time maintenance was done on the vehicle. Add in the fact that the car or truck is second hand or used and its anyone’s guess. Yet it is a simple and easy matter to check fluid levels and the protection afforded to cold weather freeze-up of the coolant fluids.

How can anyone be taught how to check the coolant level. Simply open up the engine hood when your car has been sitting for a couple of hours. Look for a coolant canister . Its the overflow bottle container and looks simply like a plastic jug. If you do not know how to open your hood - often bonnets today can be a puzzle to open - then consult the auto manual that came with the car , online , or at the worst call your factory dealer or local garage. Just have your auto make , model and year available handy. To judge fluid levels simply look on the side of the coolant overflow container. There will be a marking “cold” or “cold fluid level”. Simply compare the two marks - that of the level of the fluid in the coolant container and the mark on the side of the bottle. Do you have an adequate amount ?

Taking good care of fluid levels under the hood can spare you auto repair bills at your local garage and may well keep you away from car and truck dealers for extra years to come. Its well worth the effort all in all and only requires simple and ongoing attention to detail. After all its your car or truck and your vehicle repair or new car replacement costs out of your own pocketbook.

Most of the problems we encounter both in life and as auto owners are relatively simple and come down to basics. In this case its a matter of proper ongoing maintenance of your vehicle’s cooling system. If you are unsure of the steps and procedures ask professional help . Your local mechanic , a neighbor or the service department of your local nearby car or truck dealership will be only too obliging to help you out.

Alberta Auto Truck Traders

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Your Trucks Rad and Coolant Levels Require Ongoing Attention

Tuesday, October 6th, 2009
by Syd U. Dithers

Who ever takes care of their vehicles radiator and cooling system on a regular and ongoing basis. Few is the answer. Yet with a small amount of simple care and attention on a regular basis you can extend the life of your automotive vehicle and as well provide years more of trouble free service on the roads and highways that you traverse. If you do not have the knowledge or inclination of radiator and cooling system routine maintenance simply ask your auto dealer or local garage who provide maintenance to your vehicle or vehicles.

Yet your car or trucks rad or cooling system is not 100 % maintenance free. Forget about it and you may well have engine overheating damage, substantial auto engine repairs or worse, and no heat from your heater.

How can anyone be taught how to check the coolant level. Simply open up the engine hood when your car has been sitting for a couple of hours. Look for a coolant canister . Its the overflow bottle container and looks simply like a plastic jug. If you do not know how to open your hood - often bonnets today can be a puzzle to open - then consult the auto manual that came with the car , online , or at the worst call your factory dealer or local garage. Just have your auto make , model and year available handy. To judge fluid levels simply look on the side of the coolant overflow container. There will be a marking “cold” or “cold fluid level”. Simply compare the two marks - that of the level of the fluid in the coolant container and the mark on the side of the bottle. Do you have an adequate amount ?

Taking good care of fluid levels under the hood can spare you auto repair bills at your local garage and may well keep you away from car and truck dealers for extra years to come. Its well worth the effort all in all and only requires simple and ongoing attention to detail. After all its your car or truck and your vehicle repair or new car replacement costs out of your own pocketbook.

Its not only a matter of long term truck or car car and long life. Its not only about keeping your vehicle in good running order and a proper ongoing maintenance schedule. it is also about safety. If your vehicle breaks down prematurely or your rad overheats due to low coolant levels you may be stranded in less than desirable circumstances. In a cold winter time period - say in northern Alberta Canada or Manitoba without a properly working heat defrost mechanism you are a menace on the road to other drivers and vehicles on roads and highways.

About the Author:
Vancouver Lower Mainland BC Auto GMC Truck dealer

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