Commercial Auto Insurance

MOTORCYCLE TRIVIA


Here is a little bit of trivia:

 

The Birmingham Small Arms Company (BSA) in Small Heath, Birmingham (UK) was more famous for their side arms and Bicycles (BSA Cycles Limited). In 1929 BSA produced their first 3-wheeler; the BSA Beeza. The BSA used the “Hotchkiss” engine (a 1021cc, air cooled overhead valve V-Twin) to power its front wheels. The BSA publicly announced at the 1929 Motorcycle Show and was admired by many.

 

The car featured all-round weather protection, electric starter, and added to this the BSA performed well both on the race track and on the roads and its success led BSA to producing nearly two thousand models a year. By the end of 1932 BSA were offering six versions of the vehicle tailored to meet everyone’s needs and also as a serious attempt to rival Morgan.

 

The cheapest of these was the £100 Standard two seater. The Family version, that had a family style body with an extra two seats in the rear for children, for £105. There was then the DeLuxe two-seater for £108, the DeLuxe Family model for £110 and the Special Sports model for £115. BSA also produced an additional sports model for £125 that was fitted with a four-cylinder engine. In 1933 the company made slight alterations to the standard vehicle and upgraded the engine to 1100cc. In 1934 BSA introduced their new 4-wheeler, The Scout, and continued to produce 3-wheelers until 1936. It was not until the late 1950’s that BSA introduced their next 3-wheeler; the Ladybird.

 

This however was essentially a prototype and never reached mass production. The first Ladybird prototype had a hand-made steel body and was powered by an engine at the rear of the vehicle. The car was very basic and did not feature items such as spare wheel, traffic indicators or a windscreen wiper. Although basic, the interest in the Ladybird prompted a second prototype in 1960. This model featured a windscreen wiper and the half moon shaped handlebars in the first prototype had been replaced by a steering wheel type control with the control resembling the top third of a circle. Sadly, due to the falling demand in micro-cars in general the Ladybird was abandoned in 1960.

 

These photos were taken at the Annual Thunder By The Bay Rally in Sarasota, Florida on January 8, 2012.  The three wheeler is being driven by its original owner.

 

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HOW TO DRIVE YOUR ‘RV’ SAFELY


It’s fun traveling with your home as you explore the different regions of the country.  However, it can be dangerous if you are not familiar with the differences that the weight, size, and visibility demands of your RV driving.  The transition from driving the family car to driving an RV is different, but not necessarily difficult.  The points discussed below will help you to be a safe RV driver.

RV Heights

Most RVs are taller than passenger vehicles so you will need to learn quickly about road clearances, service station canopies, bridge heights, and to watch for low hanging obstacles such as tree branches.  Your owner’s manual, your RV dealer, or the RV manufacturer is the best sources for helping you determine the maximum road height for your RV.  Once you know, post the height somewhere on the RV or in the tow vehicle so it will always be handy as a reference.

RV Lengths

Many highways either restrict or recommend non-use for vehicles over a certain length.  For example, in California, Vehicle Code §35400 restricts the operation of house-cars over 40 feet only on specified highways and within one mile of either side of those highways for access to fuel, food, or lodging.  These highways include, but are not always limited to, the National System of Interstate and Defense Highways and all state routes.  For exceptions to this list, visit the Caltrans website at: www.dot.ca.gov.

Maneuvering the RV

The additional weight and size (length) of an RV makes it less maneuverable than a passenger vehicle.  A safe maneuver in your family car may be dangerous in the RV.  Since it is heavier, the RV may not stop as quickly and you will need more following distance.  Defensive driving in an RV requires making changes slowly, braking gradually, and being familiar with its handling characteristics.

Braking

Most RVs are heavier than passenger vehicles and require greater braking distances.  You must allow more time for the vehicle to slow or stop.  If you are towing an RV, you must also worry about brake fade.  Brake fade can happen when the brakes are overheated from prolonged use or the brakes are out of alignment.  To help avoid brake fade on downgrades, use the lower gears to allow the engine to help slow the vehicle.

Speed

RVs are naturally slower than passenger vehicles.  It takes longer to climb a hill in an RV because it’s heavier than a passenger vehicle.  Keep this in mind, practice good manners, and observe the law by using turnouts when there are five or more vehicles behind you that wish to pass.  The drivers behind you will be able to see ahead more easily if you try not to drive next to the center of the lane.  If you are traveling with other RV owners in a caravan, be sure to leave enough space between your RV and the RV in front of you for other drivers to enter when they want to pass.

Safety Belts

Always wear your safety belt when driving.  Even though many motorhomes accommodate passengers in places where safety belts are not required by federal law (i.e., dining table), if the area has a safety belt, wear it.  Riding in a place which is not equipped with a safety belt increases the danger of injury in case of an accident.

Weather Conditions

Bad weather conditions such as winds, fog, snow, and ice, are hazards to all drivers.  A motorhome owner has an advantage over other passenger vehicles because of the added weight over the drive wheels.  This gives the vehicle better traction in bad weather.  However, its added weight can also make it more difficult to move if it gets stuck. Plan your trips to avoid bad weather conditions as much as possible.

Remember, if hazardous weather conditions require the use of windshield wipers you must also turn on your headlights.

Motorhomes Towing Cars

Towing small cars behind motor homes has become popular as a way of providing transportation after the motorhome is parked at a campsite.  Towing a car differs from towing travel trailers or fifth-wheel trailers.  Very little hitch weight is involved when the car is towed on all four wheels and only minimal hitch weight is involved when the car is towed on a dolly.

If you wish to tow a vehicle behind your motorhome, you need to consider whether or not your motorhome can handle the extra weight under all conditions (i.e., climbing steep hills or mountains).  Your vehicle must have sufficient power to climb grades without holding up traffic and its braking power must be sufficient to stop the combined weight of the motorhome plus the car and/or tow dolly effectively.  Motorhome chassis manufacturers provide limits on gross combined weight (motorhome plus car).

If you are towing a car, be sure the hitch attachment on the motorhome is secure. Hitch weight ratings are usually stamped on the hitch assemblies.  The tow bar attachment is also a concern because of the integrated frame construction used in most small cars.  If you use a tow bar, safety chains are required, but a breakaway switch is not. Fully operational tail, brake, and turn signal lights are required on the towed car.

It’s easy to forget you are towing a car when driving a large motorhome because you can’t see it. So remember to allow extra space when entering a freeway or passing another vehicle so you won’t cut off the other driver.

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An Independent Approach To Car Insurance


(NAPS)—Many consumers are finding they can drive down the cost of car insurance—and the time it takes to select the right policy— by contacting an independent insurance agent or broker.
Because they represent many different insurance companies, independent agents have the flexibility to review rates and coverage from competing carriers and get you the best deal. Plus, they can offer affordable protection for your home, business and other assets. So rather than spending hours gathering quotes from various companies, you can get it done with one simple call or visit to your independent agent or broker.
If you’re thinking of contacting an independent agent, here are a few things to consider:
What’s your lifestyle? Many factors determine auto insurance rates, not just vehicle year, make and model. Companies also look at information about you. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to your independent agent or broker. You may be eligible to save money on your car insurance.
Sweet 16 doesn’t have to be sour. Having a new teenage driver usually means the auto insurance bill will go up, but there are ways to save. An independent agent or broker can find them for you.
How old is your car? You don’t always need the same level of physical damage coverage on older cars as on newer ones. If you drive an older car, your independent agent or broker can advise you what level of coverage

makes the most sense. If you want to keep your physical dam-age coverage, consider raising your deductible—that could save you money each year, too.
•Save money on the fun stuff. If you have a motorcycle, boat, RV or other “toy,” you might save money by having it covered by the same company that insures your car. Talk to your independent agent or broker about it.
You may also want to consider separating your homeowner’s policy from your car insurance policy. Bundling your homeowner’s policy with your car insurance doesn’t always save you money. It may, but have your independent agent look at separating the policies— the discount you may have gotten for keeping them together may be outweighed by the lower price another company might have for your car insurance.
To learn more or to find an independent agent or broker, visit progressiveagent.com.
Did You Know?
Bundling your homeowner’s policy with your car insur-ance doesn’t always save you money. It may be wise to have an independent agent look at separating the policies. The discount you got for bundling may be outweighed by a lower competitive price. To learn more or to find an inde-pendent agent or broker, visit www.lesliekays.com or call 866-367-1788