Posts Tagged ‘car’

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Choosing The Right Automobile Insurance Policy

Monday, September 6th, 2010

If you want to choose a right car insurance policy you have to identify whether you need it for private or business use, and decide the time terms. Every state has its own auto insurance requirements. Your age, the driving history and the kind of the vehicle you use would determine the insurance price. Now I tell you more about auto insurance policies like auto insurance for business, “gap” coverage, “no-fault”, short term and temporary auto insurance.

You will need business car insurance if you use a vehicle for business. With this coverage you won’t worry about the cars you use for business. A professional driver, e. g. a trailer driver will possibly need full business car insurance. This policy kind has all general options such as comprehensive/collision and liability coverage. Commercial insurance covers all the harm caused by such factors as windstorms, fire, theft, flood, vandalism and disasters. The commercial coverage rates depend on the car use.

You will need gap auto insurance if you loan or lease a car, and it gets stolen or destroyed by flood, hurricane, accident, fire, vandalism act or theft as a gap appears between the market price your insurance company covers and the amount of the debt for the lease/loan of the car. Gap auto insurance secures the inequality recovered in case of complete loss. Therefore you need this insurance when you lease an auto or bought it and already made the initial payment for it. Sometimes the lease or loan contract already contains this option.

No fault policy was created to settle the issues with uninsured drivers who cannot pay for damage being guilty of the accident. Personal injury protection is the first party benefits payment. But you may also sue the driver who is at fault of the accident to receive full indemnity if your medical charges are higher than the policy compensation. There are also several requirements in “no fault” rules. It depends on whether the driver may advance a claim for suffering and serious injuries. The severity of injury determines the threshold. There are two kinds of these requirements expression: verbal threshold – verbal explication of injury requirements, and monetary threshold – total amount of medical costs.

Short term policy can be very helpful. It may be bought e. g. if you need a policy for moving truck. When you travel by car or take a vehicle for rent the short term policy protects you from many risks on the roads. Short term car insurance ensures you coverage for as long as you need. Short term car policy is used with the same alternatives as the full-length insurance. Full collision repair, reflect liability compensation, medical services – all of them are compensated by short-term coverage. Short-time vehicle insurance policies vary in the period of time but not in the coverage amount.

Common term of car insurance coverage is a calendar year. The policy includes such alternatives like “Third Party” and “Fully Comprehensive” and goes for 1 – 28 days. Sometimes you don’t need to use a car constantly for a long period of time. For instance you may use this policy for your friend’s auto when you want to take it for a journey. In a case when you bought a car but you haven’t chosen a full auto insurance policy you may also use the temporary auto insurance. But still you shouldn’t replace full-length cover with temporary policy. This policy is tuned especially for emergency situations.

For greater insight into no fault vehicle insurance along with other aspects of commercial vehicle insurance policy, check out Auto Insurance Guide

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Several Basic Tips On How To Get High Risk Vehicle Insurance

Sunday, August 29th, 2010

High risk drivers are deemed to pose more of a threat out on the roads by insurance companies. As a knock on effect of this the insurance company will always charge them higher rates that they premiums. Typically those who have a bad driving record and young drivers are deemed to be high risk and as such the price of insurance for these people is usually a lot higher than average. However, it is possible to get more affordable high risk auto insurance is certain steps are taken in the right direction.

One of the best things to do is to simply spend time looking online for different insurance providers who specialise in offering policies for high risk motorists. If you spend time gathering a number of quotes then you can compare them against each other. Doing this will give you a good chance of finding affordable options.

Who is reckoned among high-risk drivers? A person after taking out a driving license and purchasing a first car is to underwrite automobile insurance although it is on the expensive side due to a lack of driving experience. That’s what makes insurance important for inexperienced drivers as compared with experienced ones. The adolescents driving their first car are first of all to be concerned in it. People under 18 years as well as senior citizens above 70 years meet some restrictions, being considered as high-risk people. That’s not valid because some well-experienced drivers just follow a low-cost automobile insurance plan.

Very often high-risk drivers are involved in different car accidents and speed violations. In case you have lost your driving license and you were revoked of it or it needs a SR-22 to be reinstated, you will be reported on it by The Motor Vehicles Register of your state. To get a ticket to drive a car you have to tender all necessary documents that can be simplified by the use of on-line automobile insurance consultations. Insurance companies consider driving under the influence (DUI) a kind of grave offense. Along with driving ban and attorney fees you can face far-reaching consequences – your insurance coverage and cost can go under changes.

Of course, improving your driving record is going to be a good step to take if this is why you are considered high risk. If you have a number of different infractions on your license these are going to clear over time and therefore it is important that you do not get any further tickets during this period. Practice safety driving skills and consider going on a safety course. Often this will help you to reduce your premiums if you could find an affiliated insurance company.

Look for different discounts that can apply. Make sure that you phone up different companies and ask about different discounts that you can get from them. The most common discount that you may find will be that which enables you to bundle together your car insurance with your home insurance policy. Putting these policies together will help you to cut down on the cost of both of them.

It is also possible to get a discount if you are looking to insure several different vehicles on the same policy. If you have a number of different vehicles that you need to get insurance for always take this step to save money on each. You may also be able to get safe driver discounts by ensuring that your vehicle or vehicles have all of the necessary anti-theft and safety features installed on them.

Your credit rating could also be causing damage to your risk profile and therefore you should take steps to improve on your payment history if this is applicable.

Of course, you should also look at the deductible on your policy as well. It is no good having a extremely low deductible if this is leading to higher premiums. Try to raise your deductible up a fair bit higher, but always make sure it is possible to cover the cost of it.

It is also going to be prudent to pay for the whole some of the policy as soon as you are offered it. Do not pay monthly or choose another schedule as this will lead to additional costs.

For greater insight into SR22 non-owners vehicle insurance policy along with other aspects of bad credit car insurance, check out Car Insurance Guide.

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Reigniting The Life Back In Your Relationship With Car Wash

Tuesday, August 17th, 2010

Reigniting The Fire Back With Car Wash

Ever get the feeling that although you still love each other, you two tend to go on your separate ways? That while lack of love is not the issue, lack of passion is. That your whole relationship feels very ordinary already that there are times that appears like you two are just college roommates who study separately.

Exciting is the word you used to describe your relationship when you two first started. Everything was new. You both love spending time with each other, even if it’s simply watching TV together. Now, you two can’t even settle on what channel to watch.

Bringing Back The Thrill With A Simple Car Wash

Taking vacations together is really effective in bringing back the happy times together. But bonding moments need not cost an arm and a leg. Why don’t you just give each other the luxury of your time by doing tasks with each other?

You can do chores that don’t necessarily have to interest you both, like washing your vehicle together. Since you both use it, make vehicle washing your play date. Doing car wash is fun if you don’t have to do it by only yourself. It doesn’t always mean faster work, but just more fun. Rather than the regular scenario wherein one washes the dishes and the other washes the vehicle, both do tasks together. Stop thinking about about saving time, you are saving your relationship from absolute boredom.

If you two have own automobile, try this one for a change: instead of washing your own vehicle, why don’t you clean his or hers? You can do that without his or her help. Bring your partner’s car to a paid car wash service if you wish to. Make it a surprise for him. The simple but sweet gesture will surely be appreciated.

Giving your partner’s auto a car wash is entirely unexpected gesture that will be completely appreciated. It would show that before taking care of your own needs, you want his or her own needs taken care of first. It’s one of those simple yet completely unexpected gestures that spare your relationship from total downfall because it reminds you why you are in love with your partner and why you are in the relationship in the first place.

Genuine love always stays, but the passion and romance may die down. There are simple ways on how to keep the excitement alive in your relationship. You can begin by a simple car wash.

Need to have a thorough car wash? Give your ride the sleek car polishing it deserves and needs.

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Good Points About The Damaged Auto Auction

Sunday, August 15th, 2010

Many people choose the auto auction as the good way to promise the fee of repair. when most people pay to get damage to their cars repaired, there are some who spend their money to buy damaged cars. There is one simple reason for this – nothing is as cheap to buy as a damaged car; it may be available at a fraction of the cost of the equivalent new or even second had car.

If you have the interest and inclination to get involved in car restoration, then this could be the best way to get the kind of car you want for a fraction of what it would otherwise cost you. Buying from a damaged auto auction is very different from a general auction – the bidder has to balance his bidding with the expected restoration cost so that the final on the road price of the car is within his budget.

If you are one of those no knowledge of automobile mechanics, stay away from damaged auto auctions – while you may be able to buy a damaged car very cheap, without being able to understand the nature of repairs, you will not be able to control the restoration costs and this will make the whole exercise futile because the end result will be a car that costs more than you expected it to. The first thing to do is to study the list of cars available at a damaged auto auction and make a short list of the ones that interest you – this should be based on the type of car, the nature of the damage and the cost and effort of repair.

The cost and availability of spares for many older makes may be an issue so check on this before finalizing your shortlist. Get second opinions about the nature of the repairs required so that you can be sure that you have not bitten off more than you can chew – this involves getting an expert to inspect the cars you have short listed along with you. Once you have the cars and the repair costs available, make sure that an equivalent undamaged car would not be cheaper that what you will be spending.

Once you are sure that the economics of buying from a damaged auto auction makes sense, make sure that you do not let your self get involved in bidding wars and spend more than you planned – this will affect the final restored price of the car and could make to whole effort a waste of time. If you are willing to take all the time and trouble needed to restore a damaged car, you should be able to have a safe reliable car that will give you years of reliable service.

Why buying cars and now the car rental is availiable and there are many rental cars for you to choose.

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A Clean And A Wax Are Critical To Automobiles

Saturday, August 14th, 2010

A proper clean-up routine must be followed to keep your car’s finish looking great. It does not matter whether your car is worth $100,000 or $1,000 or if it is an off-road car or a luxury showroom car they all need the proper care.

With the right products a car’s interior can also benefit from it’s exterior being properly taken care of.

The most critical step in this is to have the exterior cleaned extremely well. While hosing off at a car wash beats leaving your car covered in dirt, a proper cleaning usually requires more than water pressure. Many things that ruin your car’s finish need to be removed and these are, bird droppings, salt and dirt.

Use a car cleaning liquid and be sure it is not made for anything other than that. Dish-liquid strips the paint so be sure not to use it on the car’s finish.

Large amounts of dirt seem to get caked on at the bottom of your car so do not forget this, also when washing start at the top first. Begin your wash with a weak sponge and move on to harder ones if they do not work. Try to avoid using too much pressure as that can damage the finish. Instead of relying on force use the proper liquids to remove certain things.

So now that you have cleaned the entire outside of the car you must do the inside, it is just as important. A clean car is a happy car, riding inside a dirty rubbish filled car is not fun for anyone so clean it out. You can purchase UV protection spray from your car detailing shop and spray it on your dashboard and seats to protect them from cracking.

Clean the inside of your windows thoroughly so that you can see out of them properly. It’s surprising how much grime can build up inside, but you’re likely to find your glass covered with a film that can impair vision and even cause an accident. Especially in the interior of smokers cars you will notice a thick film on the glass.

Once your vehicle is clean, you’ll want to think about protecting your work with wax or polish. They help to preserve the finish and wither polish or wax will help it maintain a glossy look. Always work in the shade and apply the product to one small area at a time, wiping it off after it starts to haze. Don’t allow it to dry completely or it could damage your paint.

Bring back the black to the tires by using a spray to protect them from the sun.

If everything we have just gone through sounds like it will be too much of a burden on you do not fret. Professional car washes and detailing services can perform all the work for you, usually at a fee you won’t find too extravagant.

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Pickup Truck

Friday, August 13th, 2010

No matter what make of pickup truck you own, chances are you want to change it from the way the factory supplied it. Whether you use your vehicle for work, off-road play or some of both, you can find performance parts, accessories and customization products to make your pickup truck unique. When you want your pickup truck to look and perform better, accessories will help you customize it.

While it’s possible to get some accessories from the Chevy, GMC, Dodge, Ford, Jeep, Mazda, Nissan or Toyota dealer where you bought your truck, you will find a much bigger selection of items online. You may also get better bargains shopping this way. Some popular makers of pickup truck accessories include Lund, Westin, Dee Zee, Outland, Auto Ventshade, Warn, Saddleman, Thule, PIAA, Vector, Wolo, Deflecta Shield, Pilot, Hoppy, Grizzly and Protecta.

Exterior accessories

There are many types of exterior pickup truck accessories to enhance the appearance of the outside of your truck. They include air dams, bras and masks, bug shields, bumpers, fender flares, graphics and emblems, grille guards, hood ornaments, hoods and scoops, mirrors, racks and cargo accessories, roll pans, running boards, splash guards, tool boxes, truck steps, tire covers, visors, wings and spoilers and wiper cowls. Select items that will complement your truck’s basic lines and that will work well together instead of looking cluttered.

Interior accessories

Installing interior accessories is all about improving the comfort level when riding in your truck. Some examples are 12 volt accessories, cargo trays and liners, consoles and racks, dash covers and trim, door accessories, floor mats, horns, instrument panel covers, pet accessories, seat covers, seats and steering wheel covers.

How about adding some electronics to enhance your ride? Choices include CBs and scanners, cruise controls, GMRS radio, GPS and navigation systems, power inverters, radar and laser detectors, remote starters, security systems and antennas. You might also want to upgrade the standard radio that came with your truck to a stereo CD or satellite radio system.

Accessories cushion the load and improve the ride

Trucks are all about hauling things, so why not do it in style? Pickup truck accessories for your truck bed include cargo control, bed mats, bed liners, bed protection, bed rails, tailgate accessories and tonneau covers. You might also want towing accessories like hitch balls, hitch mounts, hitch covers, hitch steps, hitch wiring, hitches, tow hooks and straps, towing mirrors, winch accessories, winches and winch mounting systems.

By improving your pickup’s suspension and brakes you make the ride both smoother and safer. To do this, you might need anti-sway bars, bars and arms, bushings and shackles, hubs, lift kits, lowering kits, shocks and struts, skit plates and trusses and springs. Adding more lighting not only improves the truck’s appearance, it also improves safety. Some typical lighting pickup truck accessories are accent lighting, auxiliary lighting, back-up lights, bulbs and lamps, driving and fog lights, headlights, interior lights, light bars, light covers, light guards, marker lights, neon lighting, spotlights, taillights, tow lighting and wiring, turn signal lights and warning lights.

Electrical and exhaust systems are essential

If your pickup won’t start, it doesn’t matter how good it looks. If you’ve got this problem or fear it might happen, try buying alternator accessories, battery accessories, battery chargers, chassis wiring or jump start systems. If the problem is on the exhaust end, you might need catalytic converters, exhaust systems, exhaust tips and extensions, headers or mufflers.

Read my latest articles on Interior Truck Accessories and do check out my website for my other Automotive Guides .

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A Brief History Of The Limo

Thursday, August 12th, 2010

It’s easy to picture yourself in a gorgeous stretch limo, arriving at your destination in a classy Cadillac or a super stretched Hummer. With all the colors of the rainbow available, those old boring black or white limousines are a thing of the past. Filled with televisions and full liquor bars and even a spa, there isn’t much that a limo can’t provide. Here’s a brief history of the limo to give you an idea of what limo service in Toronto can be like.

People have been using service that require an escort, like a limousine driver, for hundreds of years. From the charioteers of the Roman empire to the simple stage coach type wagons with a driver up front and the passengers in back, the limo has been around for a lot of human history. A driver or Wagon-master was actually the first type of chauffeur. Only the very rich could hire a Wagon-master to carry them from place to place.

An interesting early limousine was sort of a horse-drawn coach. This coach could carry a great number of passengers, similar to a stretch limosine today. Like the limousines at Toronto Limo, these stagecoaches would have side doors to enter and exit through. The driver was seated in front of or above the passengers, just like in today’s limousines. Often another driver, a relief driver or a guard, was seated next to the chauffeur. This was for the safety of the passengers.

One of the first automobile type limousines was built in 1902. It was built so that the driver or chauffeur actually sat outside of the covered area. At the same time, a horse-drawn carriage called a vis-a-vis, had a similar build. The passenger seats in the carriage faced each other and the driver sat above and in front of the passengers. The people riding in the back had access to a folding convertible top, while the driver was left uncovered.

The shape of the limo, including the kind you’ll see when renting a limo in Toronto, has evolved as cars have changed. Most limousines are really just an extended large car. There is a lot of room behind the driver, inside the passenger compartment. There are sometimes “jump seats’ facing toward the back of the car, behind the driver, which can be folded up. A normal limo can carry five to seven passengers in the back compartment, and a super stretch can carry upwards of twelve.

In a standard limousine, there is a barrier separating the driver from the rear compartment. This divider often slides up and down or side to side so that the passengers can speak to the driver. Sometimes there is also an intercom system between the two compartments. It’s interesting to note that the early stagecoaches also had a roof hatch to allow passengers to speak to the driver.

Limo rental in Toronto can include standard limousines that carry five to twelve people, or larger limos that can carry even more. There are some odd types of limos, including the exotic ones like the Bentley or BMW or Jaguar and the odd ones, like the Hummer and the Escalades. Regardless of the type of limo that you choose to rent while in Toronto, it is always fun to have a driver to take you around. Even the VW Beetle has been stretched into a limousine!

Toronto limos can be booked to take you home from a night on the town. You can use one to go to the airport, to save you the parking fees for your car. You can get your friends together and have a wonderful night of drinking and not worry a bit about driving while intoxicated. You can use a limo for any special event, like a wedding or prom or anniversary. With so many fun things to do, it’s easy to see why limos are so popular!

Call a Toronto limo service and impress your date. From front street to bloor street, travel in style with Toronto limos.

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How About Renting A Car When You Are In Another City?

Friday, August 6th, 2010

When you are planning a voyage you need to anticipate what you will need or what could happen before you arrive safely back home. The choice of your clothes is one of the major worries. It is important to choose clothes which are suitable for the climate and for the specific activity which you are supposed to do at your destination. Add some warm clothes to your luggage if there is the slightest chance for bad weather.

If you try to reduce the stress associated with traveling you could start with the means of transport. Your voyage will be very pleasant and worry-free if you decide to make it by plane. Even the bus is a good choice because it reduces the amount of tiredness which could accumulate while you are driving. Traveling by plane is the usual choice for long distances. The time you spend in transit is reduced as compared to traveling by land.

Maybe some of the people who still choose to drive their distance between two cities are worried about the means of transportation inside the destination city. They shouldnt be; buses and taxis are the obvious alternatives. Nevertheless they have their flaws. Taxis could be too expensive and buses might be too crowded. Renting a car from a vehicle leasing company is the third option.

For a certain fee you can travel the same as in your home town. To make sure you will drive the car you think is the most suitable for you, you need to make reservations in advance. You also need a valid drivers license. You will usually find the car renting company in the proximity of airports or bus stops so you wont have to use other means of transportation before driving on your own.

Your trip will become very pleasant when you decide to rent a car. You will be able to move around as if you were in your city. Besides, for small groups or families rented cars are a rather cheap and comfortable means of transport. When you are business traveling you need a car to carry your documents and luggage safely. It will also allow you to arrive at the business meeting without having your outfit rumpled and with clean shoes.

When contract hire, car or van leasing and hire throughout the UK are required by you or your business, then Kudos vehicle leasing is what you need.

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Hertz Car Rental Is World Famous And Deservedly So

Thursday, August 5th, 2010

Hertz is a world famous car rental company and is the leading vehicle renting company in the world with more than eighty-one hundred worldwide locations spread across approximately one hundred and forty-seven countries. Everyone knows that Hertz is a car rental company that is also the number one airport car rental service brand in the entire United States. Even in Europe you will find as many as sixty-nine different airport locations where you will find a Hertz car rental outlet and of course its presence in North America, Latin America and Australia as well as New Zealand is pretty significant as well.

Novel Services

You can travel to Asia, Africa and the Middle East and still be able to find a Hertz car rental outlet with as much ease as you do in the more advanced Western countries. In addition to convenience of access, the Hertz car rental company also offers novel services such as Hertz #1 Club Gold and NeverLost navigation systems and of course you get Sirius Satellite Radio as well.

The cars being rented out by every Hertz car rental outlet are unique and you can also hire SUVs and vans – all of which helps to set Hertz apart from its competitors. The Hertz car rental company all began in the year 1918 when a pioneer in the field of vehicle renting Walter L. Jacobs opened up a car rental service in Chicago. Though he only began with about twelve Model T Fords he did, thanks to his dedication and hard work, succeed in what has today become an empire in its own right.

In the twenties, however Jacobs sold his company to John Hertz who was President of Yellow Cab and Yellow Truck and also of Coach Manufacturing Company. However, Jacobs continued to be associated with Hertz in the newly formed venture called Hertz Drive-Ur-Self System. From then onward to the present the Hertz car rental services have gone from strength to strength and today it offers its specialty vehicle the Corvette ZHZ that is testimony to the iconic status that Hertz car rentals enjoy today.

At present, Hertz is the one car rental company that is considered a traveler’s best friend and to ensure that it remains so the company offers Hertz car rental coupons that help travelers to avoid the hassle of having to fight over taxis when they arrive at an airport. With these coupons, travelers can end up saving fifty percent of the cost of renting a car from any of the many thousand different locations being served by Hertz car rental.

We all know that buying car is huge expense and we can ask help from the rental cars and car rentals is very worth consideing.

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Common Questions Drivers Ask About Automotive Airbags

Thursday, August 5th, 2010

Airbags protect you and your passengers from injury while you’re on the road. They are required by law to be installed in all vehicles. When you are involved in an accident, sensors monitor the severity of the collision, and use that data to decide whether to deploy the bags. If a certain severity threshold is exceeded, the bags fill with gas. This entire process occurs within a fraction of a second.

Since 1999, when the federal government mandated the installation of driver and passenger airbags, the technology has saved thousands of lives. Yet few people know much about the bags, or the technology that powers them. We’ll clarify a few common questions below.

Where Are They Installed?

Long ago, the bags were only installed in the steering wheel and instrument panel (for the driver and front passenger, respectively). While these locations are still used today, automakers also install them elsewhere. Knee bags may be installed within the lower instrument panel; side bags might be installed in the seat, door, or roof of the vehicle. These are designed to protect the car’s occupants from being injured from a side collision since such collisions may harm those who are wearing seat belts.

How Do They Work?

Both frontal and side airbags work in a similar manner. As noted earlier, sensors constantly monitor the vehicle, and send data to a control module. The control module decides whether current conditions justify deployment. If it determines the impact of an accident is sufficiently severe to pose injury to the car’s occupants, it triggers the mechanism that fills the airbags with gas.

Frontal bags, when they deploy, inflate to varying degrees. Much depends on the speed the vehicle is traveling, size and position of the occupant, and whether the occupant is wearing his or her seat belt. Depending on these factors, the bags inflate with a variable level of pressure and power.

The main differences with side airbags are that they are deployed more quickly and at a lower severity threshold. The reason is because a car’s occupants are seated more closely to the windows and doors than the windshield. Thus, during a side collision, the potential for injury is higher.

Are They Dangerous?

Airbags can cause injury, though such incidents are rare. The force of the bags’ deployment, when combined with the forward motion of a car’s occupant, can result in lacerations, bruises, or worse. The problem was more prevalent during the early 1990s, however. Since then, automakers have depowered their respective systems to minimize the threat of harm.

Have Airbags Caused Fatalities?

According to the National Highway Traffic Safety Administration (NHTSA), there have been nearly 300 deaths attributable to frontal airbags between 1990 and 2008. The NHTSA study goes further to clarify that 90 percent of the fatalities were young children who were either unbelted or positioned improperly in car seats. As mentioned above, automakers have made changes to their deployment systems to reduce – and potentially, eliminate – the danger.

To date, the NHTSA has been unable to confirm any fatalities attributable to side airbags. This is likely because side bags are smaller, and deploy with much less force.

Can The System Be Turned Off?

Yes, for now. Automakers currently install airbags in their vehicles with an on-off switch. This switch allows drivers the flexibility to disengage the feature if they feel it poses excessive risk. This is primarily relevant to drivers who suffer certain health conditions. The federal government has mandated, however, that by September 2012, airbags must be installed without the on-off switch.

It’s important to realize that airbags, while having caused injuries and deaths in the past, are much safer today. Automakers have striven to design their systems to ensure drivers and passengers are protected from all types of potential harm.

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