Category Archives: Safe Driving

My Kia Sorento makes awful noises when riding over bumps. What can I do?

17 Sep 17
Alibhai
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Whenever I drive over a bump in the road or maybe a crack repaired with road tar, it sounds and feels like the wheels will come through the floor panel. The Kia dealer’s mechanic tested the car and told me all of the Sorentos have the identical issue. The problem began about eight months ago. All was fine up until then. What can I do? Warren

My study left me with a lot of factors, so I reached out to Larry Morrison, fixed operations manager at 401 Dixie Kia in Mississauga. He guided me to a Kia Technical Service Bulletin (TSB) that I think will you resolve your problem.

TSB #CHA01201402 copes with noises over lumps which were traced back to a small inference involving front strut insulator and the upper strut bearing.

There are two repair solutions.

If the strut itself isn’t noisy and doesn’t have a fluid leakage, then only the top spring pad and front bearing mounts beed to be substituted with upgraded pieces. If the actual strut be leaking fluid or there’s concern that the strut could be the source of the sound, then Kia will replace the whole unit.

Warranty coverage on these items is limited to 100,000 km or five decades.

Lou Trottier is owner-operator of All About Imports in Mississauga. Have a question about repair and maintenance? E-mail , putting “Lou’s Garage” in the topic area.

Shopping for a new car? Check out the brand new To see the most recent discounts, rebates and prices on new cars, trucks and SUVs. To receive your price.

Courtesy: The Globe And Mail

Can I get a ticket if I get pulled over and do not have my licence?

12 Sep 17
Alibhai
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If I am driving my wallet and I get pulled over, will I be charged for driving without a license? I thought I had been allowed to make it within 24 hours. Can I save a photo of my license in my iPhone, just in case? — Dorothy, Oshawa, Ont.

Authorities have licence to bill you — or maybe not — if you are driving without yours. However, a photograph on your phone will not help you — at least not yet.

“It is up to the officer’s discretion — you might get lucky,” said Sergeant Kerry Schmidt of the Ontario Provincial Police. “You should surrender your licence when asked to, and a picture wouldn’t satisfy an officer since it may or might not be valid”

Of Ontario’s Highway Traffic Act states all drivers need to carry a license at all times while “in control of a motor vehicle or street car.” There is an $85 set fine. Or, if you are convicted, a judge can choose a fine of anywhere from $60 to $500.

There is nothing in the law which states you’ve got 24 hours to make it. Still, an officer may choose not to charge you, but you need to give your name and address to identify yourself.

Authorities in Ontario can look it up on the spot to find out if you look like your driver’s license photograph on file, Schmidt said.

Still, you are supposed to be carrying your true licence. And you are supposed to hand it over when requested.

“The ministry doesn’t currently accept photographs of licences instead of the actual card,” Ontario’s Ministry of Transportation said in an email announcement. “Therefore, drivers need to carry a drivers license card.”

Selfie control?

And everywhere else in Canada? We checked — every state requires you to carry your license with you. And nobody has a law which lets you use an image of your licence.

But in a few states, including British Columbia and Quebec, authorities might not have the ability to see your driver’s license photograph in their system.

“Will we take a photograph on your phone? Photoshop is a terrific thing, so, no,” said Constable Jason Doucette, spokesman for the Vancouver Police Department. “The most important thing, you need to carry your card. But if the officer wanted to use discretion, [we] could use another photo ID in addition to the police database to identify you.”

The fines vary. As an example, it has $30 and fees in Quebec, $81 in British Columbia and $172 in Alberta.

“You are supposed to have your permit with you,” said Sergeant Audrey-Anne Bilodeau, Sûreté du Québec spokeswoman. “However, it really depends upon the circumstance. Maybe if you’re in a little town the officer might allow you to go home to get it, but there is nothing in the law which states they must.”

And if an officer is not convinced that you are who you say you’re — if you do not understand your zodiac sign, postal code or previous address, say — you might be arrested until you can prove it. “But from my experience on the street, that is really unusual unless it is a criminal matter,” Bilodeau said.

An app for it?

Just how close are we to a driver’s license that would appear on your smartphone’s wallet, like a credit card or concert ticket?

Nobody has one yet. Iowa and Have been in a hurry to be the first American state to provide digital licences.

Following a trial run last year with 100 state employees, Iowa To offer you a licence app statewide prior to the end of 2018.

“We definitely have to have the ability to accept this as evidence of identity and driving privilege where necessary,” Mark Lowe, Iowa interim department of transportation manager, told the Des Moines Register. “Our law enforcement ought to have the ability to interact with it and we need to be able to use it to rent a car, get a hotel room, buy cigarettes, buy alcohol — matters where you’re typically expected to supply some evidence of identity.”

The program shows a licence rotating picture that programmers call the “Harry Potter feature{}” Users upload a selfie that’s verified from their official driver’s license photograph on file.

There are potential problems, though. What if your battery dies? Or, more seriously, what if a crook hacks to the machine and steals your identity? And would you be comfortable handing your phone to authorities?

Idaho, Colorado, Maryland, Wyoming and Washington, D.C. — are a part of a , while many other states are looking into them, along with , in Australia, the Netherlands and Brazil.

And here at home? We checked with every state, and there is nothing formally in the works. “Alberta is open to exploring options for upgraded ways to display a driver’s licence and will consider this as part of future modernization efforts,” Cheryl Tkalcic, Service Alberta spokeswoman, said in an email.

Renewed hope?

Nonetheless, there are several nods to the current here.

Ontario and Newfoundland enable drivers to renew licences online, though you’ve got to appear in person if you will need a new picture. And the licences continue to be sent via the mail.

Both states require renewals every five decades and new photos every 10 years.

Ontario’s 2017 budget announced the acceptance of digital proof of insurance — that can be found in most American states — but no official launch date was set.

There haven’t been statements from any other states, though most say they are considering it.

While they may not replace paper completely, a pink slip in your telephone would mean you would not have to rifle through a nest of newspapers on your glove box if you get pulled over for speeding.

And they are updated automatically each time you renew, make a change to your coverage or proceed.

“Insurance companies are supportive of this because it provides consumers with some choice and convenience — not everyone goes and checks their mailbox on a daily basis,” stated Pete Karageorgos, manager of Ontario consumer and business relations with the Insurance Bureau of Canada. “But we must develop methods that are fraud-proof and protected.”

Have a compelling question? Send it to . Canada’s a big place, so please let us know where you are so we can get the answer for your town and state.

Shopping for a new car? Check out the brand new To see the most recent discounts, rebates and rates on new cars, trucks and SUVs. To receive your price.

Courtesy: The Globe And Mail

What’s the least expensive way to replace my car’s bushing?

10 Sep 17
Alibhai
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I have been advised that the driver’s side bushing requires replacement in my 2011 Toyota Venza. The part is known as a “knuckle” but it is $500 and you will need to get the entire part, since they don’t replace the bushing. Is there someplace that does take the present bit off and replace the bushing? — James

The information you’re working with is faulty, since the knuckle on your automobile doesn’t have a bushing contained inside.

The knuckle is the focus of the front suspension using the steering tie rod, strut and ball joints attaching to it.

What you are searching for is a common-to-fail bushing located within the front lower control arm.

The internal mounting point of the control arm is connected to the chassis at two points by means of these bushings. The outer end connects to the knuckle through the ball joint.

The suspension is designed to keep the tires in contact with the road surface and has to travel up and down, absorbing road irregularities.

These bushings facilitate this movement.

The easiest of bushings are made from rubber, and as with all parts made from rubber they’ll deteriorate with age.

Unfortunately, Toyota hasn’t made these bushings available separately and the comprehensive control arm has to be purchased.

After-market control arms can be found which will produce the repair cost somewhat easier to consume, but I am unaware of any convenient source for this bushing.

Lou Trottier is owner-operator of All About Imports in Mississauga.

Have a question about repair and maintenance? E-mail , putting “Lou’ s Garage” in the topic area.

Shopping for a new car? Check out the brand new To see the hottest discounts, rebates and prices on new cars, trucks and SUVs. To receive your price.

Courtesy: The Globe And Mail

What does a previous accident do to my car’s resale value?

08 Sep 17
Alibhai
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My car was rear-ended, causing a small crack to the back bumper. The fix was about $5,000 and now my car looks brand new. But when I try to sell it (I will sell privately because I will get more than when I tried to trade it in at a merchant), what will the car history report show? Can it show that $5,000 claim? And does this mean I am pretty much stuck losing that money when I sell that, realistically? — Cole, Edmonton

When you are selling a car that has been in a crash, it’s easy to feel as if you are on the losing side of history.

However, a record of the harm does not necessarily mean that you’ll have a hit for this full amount when it is time to market.

“I had a Tahoe that I scraped a railroad column and had an $1,800 damage claim to repaint the 2 doors,” said Joe Varkey, vice-president of marketing for Carproof. “If I went into a dealership or a respectable body shop and had it repaired, those doors are like new — by no means does this decrease the value of my vehicle by $1,800.”

What exactly does a vehicle history report from Carproof or Carfax — that have been owned by the same U.S. firm since 2015 — really show? It depends upon what they can find.

“To the extent we have this information available, we would report the date of this incident, the price estimated or compensated for the repairs and other expenses, the city and state of the episode, and a few details of the nature of this damage/incident,” Varkey said.

So, your $51.95 Carproof report may show that $5,000 claim. Or it may just reveal the initial quote from the repair shop — that could be lower or higher than the true cost to fix.

When there’s structural damage, the report must show it but it may not, said George Iny, manager of the Automobile Protection Association (APA).

“The reports do indicate when structural damage, but the data isn’t always reliable and moderate structural damage is occasionally missed,” Iny stated.

Missing history?

Services like Carproof are not foolproof, Iny stated. “The most likely mistakes we see would be the wrong point of impact — left back, when it needs to be left {},” Iny stated “[Or] the quote doesn’t have any connection with the damage observed. … it could be inflated compared to the real damage.”

In an investigation four decades back, the APA found that Carproof was more precise than Carfax. Carproof showed about 75 percent of real fixed damage in Ontario and 90 percent in British Columbia, where it included data from the Insurance Corporation of British Columbia. But both missed asserts, Iny stated.

“We have always told people that there is differing amounts of data based on whether it is police-reported,” Varkey said. “The best way to protect yourself is Carproof and a review — so if you are considering purchasing, take it to a trusted mechanic to tell you how well it had been repaired.”

What is your deal?

Even if harm from a fender-bender is repaired perfectly, somebody contemplating buying you car might observe the crash for a means to get a better deal.

That reduction in your car’s value is known as diminished value and while insurance companies in certain American states pay for it, insurers in Canada .

There are diminished-value calculators available — often to get a price — online, which state they reveal what a U.S. insurer might pay out. When there’s no structural damage to the automobile and it is only a panel replacement, then it .

What exactly does any of this have to do with what you can get for your car if you sell it on Kijiji?

Probably not much. Negotiating a selling price is determined by convincing the buyer that the car’s in top shape — and that the damage was minor.

The price is right?

That is what car dealers do. And they are good at it.

“You can go buy a used car in the dealer and they’ll say, ‘Yes, there is this claim but here is the job order and you can see that there’s no structural damage,'” auto appraiser Maurice Bramhall said. “And then they’re going to sell it for a rather normal cost.”

So, once you’re selling it yourself, show the buyer the paperwork in the body shop — if you’ve got it. Even better? Enable them to see themselves that it really was only a crack in the plastic.

“The best would be to demonstrate the buyer photos of the damage before it had been repaired,” Iny stated. “So their creativity does not run wild.”

So, how much of a hit will you’ve got to take?

“It varies case by case back to my case, $1,800 on a Tahoe means a completely different thing than $1,800 on a BMW,” Varkey said. “If I am selling you my Tahoe for $20,000, you might say, ‘It seems like it was painted nicely, but I think you should sell it for $19,000.'”

Supplying the buyer together with the report and inviting them to get an inspection, shows that you are not hiding anything, Varkey said. That goodwill might assist in the discussions, he said.

“You could not be more transparent,” Varkey said.

Disclose for relaxation?

Therefore, if the buyer does not request a history or inquire about mishaps, do you need to tell?

In Alberta, the Fair Trading Act says dealers can not misrepresent an automobile’s history — so if there has been an insurance claim on it, they need to inform you before you sign the contract. But that law does not apply to private sales.

“Private sales aren’t regulated,” said Cathy Housdorrf, spokeswoman for the Alberta Motor Vehicle Industry, the state’s motor vehicle regulator. “But if a dispute occurs, it’ll be a matter for the civil courts{}”

As a private seller, you are not required to volunteer your car’s been damaged in a crash, Iny stated.

“However, if requested by the vendor, they need to answer truthfully or they’d be responsible for the consequences,” he said. “In practice, [that is] difficult to perform.”

Have a compelling question? Send it to . Canada’s a big place, so please let us know where you are so we can get the answer for your town and state.

Shopping for a new car? Check out the brand new To see the hottest discounts, rebates and prices on new cars, trucks and SUVs. To receive your price.????

Courtesy: The Globe And Mail

What does a previous accident do to my car’s resale value?

05 Sep 17
Alibhai
No Comments

My car was rear-ended, causing a small crack to the back bumper. The fix was about $5,000 and now my car looks brand new. But when I try to sell it (I will sell privately because I will get more than when I tried to trade it in at a merchant), what will the car history report show? Can it show that $5,000 claim? And does this mean I am pretty much stuck losing that money when I sell that, realistically? — Cole, Edmonton

When you are selling a car that has been in a crash, it’s easy to feel as if you are on the losing side of history.

However, a record of the harm does not necessarily mean that you’ll have a hit for this full amount when it is time to market.

“I had a Tahoe I scraped a parking pillar and had an $1,800 damage claim to repaint the 2 doors,” said Joe Varkey, vice-president of advertising for Carproof. “If I went into a dealership or a respectable body shop and had it repaired, those doors are like new — by no means does this decrease the value of my vehicle by $1,800.”

So what exactly does a vehicle history report from Carproof or Carfax — that have been owned by the same U.S. firm since 2015 — really show? It depends upon what they can find.

“To the extent we have this information available, we would report the date of this incident, the price estimated or compensated for the repairs and other expenses, the city and state of the episode, and a few details of the nature of this damage/incident,” Varkey said.

So, your $51.95 Carproof report may show that $5,000 claim. Or it may just show the original quote from the repair shop — which may be lower or higher than the true cost to fix.

When there’s structural damage, the report must show it but it may not, said George Iny, manager of the Automobile Protection Association (APA).

“The reports do indicate when structural damage, but the data isn’t always reliable and moderate structural damage is occasionally missed,” Iny stated.

Missing history?

Services like Carproof are not foolproof, Iny stated. “The most likely mistakes we see would be the wrong point of impact — left back, when it needs to be left {},” Iny stated “[Or] the quote doesn’t have any connection with the damage observed. … it could be inflated compared to the real damage.”

In an investigation four decades back, the APA found that Carproof was more precise than Carfax. Carproof showed about 75 percent of real fixed damage in Ontario and 90 percent in British Columbia, where it included data from the Insurance Corporation of British Columbia. But both missed asserts, Iny stated.

“We have always told people that there is differing amounts of data based on whether it is police-reported,” Varkey said. “The best way to protect yourself is Carproof and an inspection — so if you are considering purchasing, take it to a trusted mechanic to tell you how well it was mended.”

What is your deal?

Even if harm from a fender-bender is repaired perfectly, somebody contemplating buying you car might observe the crash for a means to get a better deal.

That reduction in your car’s value is known as diminished value and while insurance companies in certain American states pay for it, insurers in Canada .

There are diminished-value calculators available — often to get a price — online, which state they reveal what a U.S. insurer might pay out. When there’s no structural damage to the automobile and it is only a panel replacement, then it .

What exactly does any of this have to do with what you can get for your car if you sell it on Kijiji?

Probably not much. Negotiating a selling price is determined by convincing the buyer that the car’s in top shape — and that the damage was minor.

The price is right?

That is what car dealers do. And they are good at it.

“You can go buy a used car in the dealer and they’ll say, ‘Yes, there is this claim but here is the job order and you can see that there’s no structural damage,'” auto appraiser Maurice Bramhall said. “And then they’re going to sell it for a rather normal cost.”

So, once you’re selling it yourself, show the buyer the paperwork in the body shop — if you’ve got it. Even better? Enable them to see themselves that it really was only a crack in the plastic.

“The best would be to demonstrate the buyer photos of the damage before it had been repaired,” Iny stated. “So their creativity does not run wild.”

So, how much of a hit will you’ve got to take?

“It varies case by case back to my case, $1,800 on a Tahoe means a completely different thing than $1,800 on a BMW,” Varkey said. “If I am selling you my Tahoe for $20,000, you might say, ‘It seems like it was painted nicely, but I think you should sell it for $19,000.'”

Supplying the buyer together with the report and inviting them to get an inspection, shows that you are not hiding anything, Varkey said. That goodwill might assist in the discussions, he said.

“You could not be more transparent,” Varkey said.

Disclose for relaxation?

Therefore, if the buyer does not request a history or inquire about mishaps, do you need to tell?

In Alberta, the Fair Trading Act says dealers can not misrepresent an automobile’s history — so if there has been an insurance claim on it, they need to inform you before you sign the contract. But that law does not apply to private sales.

“Private sales aren’t regulated,” said Cathy Housdorrf, spokeswoman for the Alberta Motor Vehicle Industry, the state’s motor vehicle regulator. “But if a dispute occurs, it’ll be a matter for the civil courts{}”

As a private seller, you are not required to volunteer your car’s been damaged in a crash, Iny stated.

“However, if requested by the vendor, they need to answer truthfully or they’d be responsible for the consequences,” he said. “In practice, [that is] difficult to perform.”

Have a driving question? Send it to . Canada’s a big place, so please let us know where you are so we can get the answer for your town and state.

Shopping for a new car? Check out the brand new To see the hottest discounts, rebates and rates on new cars, trucks and SUVs. To receive your price.????

Courtesy: The Globe And Mail

How to choose the pickup best suited to your needs

01 Sep 17
Alibhai
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When Rick Lang drives Highway 2 between Edmonton and Calgary on a frosty winter day, he has developed a habit of counting the kinds of vehicles that he finds off the street, axle-deep in snow, or even worse. By his figuring, a disproportionate number of these are pickups.

That is not just because there are so many of them nowadays. To Lang, director of operations in the Alberta Motor Association, it is because lots of those drivers do not understand that pickups with electronic stability systems are different beasts than a family sedan.

“People think it is possible to drive a hundred and ten on the QE II,” he chuckles. However, pickups, with a high centre of gravity and light back ends, react differently when you brake hard on icy streets. “You can get yourself stuck in places you have never been before.”

Everyone, it appears, needs a truck. Statistics reported by auto analyst Dennis DesRosiers reveal that 123,803 light trucks (including SUVs) were sold in July, 2017. And the lowly passenger automobile? Just 58,231 units. Fully two-thirds of the vehicles sold in Canada were some kind of truck.

More and more, they are pickups — not only in a state where they’re actually put to work on ranches and at oil rigs — but at the sleepy fishing towns of Nova Scotia, the lush back streets of Vancouver Island and the suburban sea of rooftops in the GTA.

Lang worries about drivers who get behind the wheel of a pickup for the first time, noting what’s historically been a work vehicle still exhibits a poorer safety record (according to the U.S. ) compared to the current cars and SUVs. And there are more surprises to get a first-time pickup buyer like the higher fuel consumption, vehicle density and compromised manoeuvrability.

Fear not. If you do your homework, you’ll get a pickup that fits your requirements and needs. And there are loads of choices. All three North American producers offer pickups here, as do Honda, Nissan and Toyota. Here are things to Remember:

SIZE

The choice between a full- or midsize truck is dependent upon how much weight you wish to tow or carry and how much you drive in a town. If you’re an urban customer seeking to get around in traffic without difficulty, think about a midsize truck, such as GM’s Colorado, says Doug Kenzie, manufacturer for Chevrolet. Other midsize trucks comprise the Toyota Tacoma, Nissan Frontier and Honda Ridgeline. Ford, Fiat-Chrysler and Hyundai have midsize products in the works.

The vehicle’s size is also determined by taxi- and box-size choices. Cabs come in standard (two-passenger), extended cab (cramped rear seats) or crew cab (complete rear seats). Consumers overwhelmingly prefer family-friendly crew cabs. You can also opt for brief (5.5-feet), moderate (6.5-feet) or long (8-feet) boxes. The additional space is handy for distributing, but can be a nightmare in visitors.

MANOEUVRABILITY

Ever heard of the farmer’s turn? It is a long, sweeping arc that takes into account the fact your crew-cab, long-box pickup is more than some yachts. “These things are enormous,” Lang says. For those who get a full-size crew cab, you are likely to get very knowledgeable about the three-point turn. Backup cameras, parking sensors and lane departure warnings make life a bit simpler. “Obviously, a larger vehicle takes up more space on the street,” says Mike Szymkiewicz, head of product planning for Fiat-Chrysler. “That said, size does not mean ponderous driving{}”

And consider parking. City parking spaces are generally 2.6-metres broad and 5.4-metres deep. Full-size pickups with the favorite crew cabs are greater than two-metres wide (also mirrors) and 5.8-metres long (using a midsize box). Those measurements only work if you do all of your shopping at Costco.

USE

If you mostly use your pickup as your everyday commuter, then Lang advises you to think twice. In tight traffic, “Would you rather drive a Yaris?” he asks. On the other hand, Kenzie says, if you are hauling a fifth-wheel trailer or large ship to the wilds on the weekend, a “light-duty” so-called half-ton pickup may not be adequate. Check the specs carefully to ensure that your rig has sufficient power and weight capacity for the job. “It is all about having the ideal capability on hand if you need it,” said , who notes that strong V-8s are designed to use less fuel when not under load.

FUEL CONSUMPTION

Although pickups have enhanced their fuel economy, they will never fit a sedan, Lang says. On the other hand, both Kenzie and Szymkiewicz notice that contemporary diesels, such as GM’s Duramax and Fiat-Chrysler’s Turbo Diesel (formerly EcoDiesel), get great mileage. Even strong V-8 engines now include such fuel-saving technologies as variable-valve timing and deactivation of tanks once the power is not needed. Ford provides 2.7- and 3.5-litre EcoBoost motors in the F-150, but gain little on fuel economy. Following a squabble with regulators over emissions, Fiat-Chrysler said in a statement to The Globe and Mail that its EcoDiesel has obtained emissions certificate and will soon go back to the market. It’s predicted to have best-in-class evaluations of 11.3 litres/100 km from town, 8.0 on the highway and 9.8 combined. Six, eight and nine-speed transmissions further squeeze more kilometres from every litre.

GM’s full-size Silverado delivers the eAssist hybrid option, which uses electric motors on all four wheels to supplement the significant V-8’s power, providing a fuel savings of 13 percent in the city over its gas-only kin.

COMFORT

Forget your initial bone-jarring excursion down a gravel road in Uncle Bill’s Dodge D-Series; today’s trucks are more car-like than ever. It may not equal the ride of a Bentley, but purchasing a truck tuned for relaxation can save your back. Many pickups (except Honda’s Ridgeline) have heavy body-on-frame structure and they have a tendency to ride more demanding than the unibody structure in automobiles and SUVs. Szymkiewicz points into Ram’s cushy four-corner air suspension.

STYLE

Dressed-up pickups do not look weird in the local country club. The pricier pickups (more than $70,000) come as well-appointed as any luxury sedan, with complete leather, all of the latest electronics and custom appearances, such as GM’s all-black Midnight and Ram’s Tungsten variations. You can literally take them anywhere and not feel like the poor cousin.

With some common sense, Lang says, any driver can make the change from car to pickup. You do not have to retake drivers ed. But he’s got two pieces of advice. First, rent a truck like the one you need to purchase and drive it for a couple days — long enough to understand the differences in the driving experience. And think hard about how you’ll use your next car or truck. He calls it getting the right “fit for purpose{}”

Shopping for a new car? Take a look at the brand new to find the hottest discounts, rebates and prices on new cars, trucks and SUVs. To receive your price.????

Courtesy: The Globe And Mail

The Insurance Company won’t write it off, although my car lost value in a rear-ending

22 Aug 17
Alibhai
No Comments


I was rear-ended in stop-and-go traffic on the street. I wasn’t to blame. The insurance provider would like to repair it and I want to get it written off — although the residual value of the car is affected. It states repairing it’s going to cost $ 8,100 and has overappraised my car. However, I checked with dealerships that say my car was worth only $6,000-$9,000 will be worth $ 3,000 and before the collision-$4,000 after the repairs. I have a loan of $ 10,150, but I am willing to meet involving the expense of the vehicle and the repairs — at $ 10,000, it’s already costing the insurance company. How do they do this? — Sylvanna, Toronto

You’ve no right if your vehicle is in a crash in Ontario.

“Here is a situation where someone says, ‘I have this loan plus a write-off suits me {}”’ stated Pete Karageorgos, manager of Ontario consumer and business relations with the Insurance Bureau of Canada (IBC). “Typically, the insurance carrier will say, ‘We will do what is in the policy. ”’

So what exactly does the Ontario Automobile say? Section 7.7 of it says, “We shall pay the lower of the following: The cost to repair the damage or loss, less the deductible; or the actual money value [ACV] of the car at the time it was stolen or damaged, less the deductible.”

To put it differently, they’ll do what is cheapest.

Then your insurance carrier will write it off — exactly what it should cost you to replace your car in the same year with mileage and options — if repairs will cost more than the ACV. It declares it salvage takes the vehicle and provides you the cash.

But, as stated by the policy, the choice is up to the insurance provider. Section 6.6 of the policy states, “We have the right to repair, replace or reconstruct the automobile as opposed to cover the damage.”

“If they are going to write off the car, they do it based on security issues and price,” said Viraf Baliwalla, creator of Automall Network, a Toronto car broker. “If repairs will cost 72 or 75 percent of the total cost of the vehicle itself, they will typically wind up writing it off as you are going to have other problems later on.”

Loan exception?

? Everything you owe on the car.

“The law does not care about your debt,” stated Maurice Bramhall, a Toronto appraiser. “The legislation in Ontario has a procedure by which the insurer does its damage appraisal and decides the repair-ability — they could say whether it is repairable or not.”

You can while the insurer has the right to decide whether or not to write off your car Under the Insurance Act if you disagree with its own estimates of the ACV or the harm. “For this procedure, each side will appoint an appraiser, and the two appraisers will agree on a value, or if they disagree, will both agree to appoint an umpire who will make a final decision in the matter,” the Financial Services Commission of Ontario stated in an e-mail announcement.

An appraiser could cost $300 or more and there are no guarantees of the result. The appraiser might find harm that could push the repair costs to write it off — or could agree with the insurer.

Diminished value

Thus, if your car is being repaired by your insurance company so that it looks and runs as it did? Stigma, Karageorgos said.

“Provided that you have the correct quality of repairs completed, most people won’t understand the difference — but in this era, searches can be done,” Karageorgos said. “I could choose between a car that has been in an accident and a car that was not in an accident. And I might find a better deal on the car which was in the collision, though these two cars will last as long on the street.”

The difference between what your car is worth before and after a crash is known as diminished value (DV).

“It can be repaired correctly but folks will say, ‘What if there is an extra rattle? ”’ Baliwalla said. “So for this, they won’t cover the same{}”

It means that your vehicle has depreciated due to the crash, even once you’ve done nothing wrong.

“Here in Ontario, insurance companies will not cover diminished value,” stated Michael Alexander, a Toronto lawyer who handles insurance claims. “If the amount is below $25,000, you may attempt to get it back by suing whoever hit you in small claims court. When it’s over that, you will have to hire an attorney and go to Superior Court.”

While there were two successful court cases in British Columbia where motorists resisted the Insurance Corporation of British Columbia (ICBC) for diminished value, ICBC doesn’t cover it for all injuries. In america, Georgia requires reparation to be offered by insurance companies .

But taking the driver does not mean you’ll win, Bramhall said.

“You may find a judge that says, ‘You know what? This is to driving a danger — you have made no complaints and your automobile was five years old repaired,”’ Bramhall said.

What is your car actually worth?

Do not base your car’s value — after the crash or before — on what you are told by dealerships, Bramhall said.

“Moving to a car dealer and asking, ‘What is the value of my vehicle?’ Is a little like talking to the tiger who has got you in his mouth to eat you,” Bramhall said. “The trader has no interest in offering fair value — the more they can downplay the value, the more they will make when they sell to a wholesaler.”

How much is your car worth? It depends just how much it was worth before the crash — and on the damage.

“Generally speaking, you can say that DV is about 10-30 percent of the car value. However, I have seen it where DV is more than 50 percent of the car value,” Baliwalla stated.

New luxury cars, like a Bentley, tend to endure the most for them will want to cover a automobile that was new, Baliwalla stated.

“But if the car is worth $10,000 or $11,000 as it stands, it might be that there is some diminished value — but the longer you keep it, it is going to go down to next to nothing,” Baliwalla stated.

And, after repairs, that car should have the exact same lifespan.

Insurance companies don’t look at value, if you get in a different accident — as though it had not been in an accident, Bramhall said, they will cover the ACV of the vehicle.

And, if repairs were done correctly, your car may look its era.

“Unless you are immediately considering selling it, you have not actually lost anything,” Baliwalla stated. “You’re likely put back in a much better position than previously.”

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Is it legal to ride your bicycle once the street is busy?

15 Aug 17
Alibhai
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I understand bicycles are considered vehicles and need to comply with the rules of the road. We had been walking amongst countless others on a Front Street after the baseball game. An older guy riding a bicycle with his dog running on a leash rang his bicycle bell to force his way through the traffic. I commented that it was illegal for him to be riding on the sidewalk, as he passed. He responded that there was no bike lane on Front St. — like that justified his being on the sidewalk. Was he right? — Tricia, Toronto

You can not ride your bicycle on Toronto sidewalks if you are over 14.

“In Toronto, kids riding bikes with a bicycle tire beneath 61 centimetres (24 inches) can ride on the sidewalk, but elderly cyclists could be ticketed for doing this,” said Daniela Patino, spokesperson for , a cycling advocacy group. “When a cyclist feels that the street may be dangerous or harmful, we recommend they dismount from their bike and walk it to the sidewalk.”

The Is not in Ontario’s Highway Traffic Act (HTA), but cities, such as Toronto, have included it in local bylaws. In Toronto, the fine for riding on a sidewalk if older than 14 is $60. And when their bicycles walk on the sidewalk Patino said. “We invite cyclists who walk their bicycles to allow pedestrians proceed first, particularly when it’s busy.”

Why allow cycling? Safety. “The intent of the bylaw is to allow young children to cycle on the sidewalk while they learn to ride,” the town states on its site.

But that does not mean children have free rein on anything else — or sidewalks when they are on bicycles. 950-300 says you can not “run a bicycle, skateboard, in-line skates or roller-skates, coaster, scooter, toy car, toboggan, sleigh, or any similar device on a sidewalk recklessly or negligently or in a rate or in a way dangerous to the general public.” It is a fine.

And, the HTA does prohibit riding if you walk and do not get off your bike, it is an fine.

The rules vary by state and city. , riding on the sidewalk is prohibited by law. In B.C., the Also allows municipalities although bans it. Some, because of this, , prohibit others along with it, such as Maple Ridge, let it.

“When the principles change, it makes it difficult to know what to do,” said Richard Campbell, executive director of the (BCCC). “And quite frankly, there are instances where expecting people with little kids to cycle on a street with active traffic is simply not realistic — so the legislation will need to be settled{}”

Sidewalks safer?

Some cyclists know it is illegal to be on the sidewalk but they decide it is cycling blogger Tom Babin, the choice in May. “I did it riding in the winter,” Babin said. “I am facing a busy street that has not been plowed and right with me is an entirely empty sidewalk that’s well cleared, which one am I going to pick for my own safety?”

The Patino of cycle Toronto said a obstacle protects a solution bike lanes — lanes. “So far this season, we have had 32 deaths,” Patino said. “We do not have a city-wide minimal grid of bicycle lanes and this is putting people’s lives in danger.”

Including a pilot project on Bloor Street,, while Montreal has 72 kilometres of bike lanes that are protected. Bikes are also kept by lanes . By 80 percent, a lane on Hornby Street decreased the amount of bicycles on the sidewalk in Vancouver, the BCCC’s Campbell said.

“One of the issues is, when individuals do cycle on the road, they get intimidated by motorists and passed very closely,” said Campbell, whose team is attempting to have the B.C. authorities to adopt a safer death law such as . “The painted lines are not particularly powerful. We get drivers that pass too closely to cyclists or honk or rev their motors{}”

There have been instances where cyclists have been chased by motorists down the block, ” Campbell said.

“These are most likely the very same people who give other drivers issues,” he said. “For some reason, we bear quite bad behaviour.”

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Can you turn ?

12 Aug 17
Alibhai
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If your car check your blind spots and can hit on the brakes, will that make you a driver? Automakers are stressing it may.

Technology that keeps a safe distance from other vehicles, keeps cars in their lanes, warns of visitors that is hidden and slams the brakes to prevent rear-end crashes is spreading to Hondas from luxury cars. However, these aids are having an unintended consequence: They are skills that are degrading.

“There are many concerns about people checking out and we’re trying to track that today,” said Adrian Lund, president of the Insurance Institute for Highway Safety. “That which we do that makes the driving task a bit easier means folks will pay a tiny bit less attention when they are driving.”

For carmakers trying to tackle driver abilities that are deteriorating, the stakes are immense. U.S. roadway deaths jumped 14 percent during the previous two decades, with over 40,000 people dying in crashes in 2016. Distraction is another culprit while speeding and roadways bear some of the blame. While driving, such as texting or surfing the internet, has been on the upswing, data published by the government show manipulation of devices.

The features which are the building blocks of tomorrow cars were developed to compensate for inattentiveness behind the wheel. They might be enabling drivers to place faith in the technology.

Side effects

The auto market is “terrified” about the unwanted side effects of the favorite new features, and companies are scrambling to find ways to keep drivers participated instead of glued to their telephones, said Mark Wakefield, managing director and head of the automotive practice at consultant AlixPartners LLP.

General Motors Co. is installing eye-tracking technology on the Super Cruise attribute coming to Cadillac models later this year, which enables drivers to take their hands off the wheel but requires watching the street. Nissan Motor Co.’s ProPilot Assist retains the car focused and brings it to a stop in its lane if the driver goes over 30 minutes without grabbing the wheel. Tesla Inc. last year employed limits on drivers’ ability to go hands-free when using the corporation’s Autopilot system.

“You can be conservative in your style and emphasize safety over convenience to safeguard the consumer from themselves, which is required, but the entire industry isn’t going to do that,” Wakefield said. “So you will be right, but you did not sell a vehicle.”

Toyota Motor Corp. researchers recognize the new technology is changing the way people drive, and it has pioneered studies with major universities to learn how driving habits might evolve.

Risky behaviour

“What are the newest risky behaviors going to be?” Chuck Gulash, manager of the Collaborative Safety Research Center of Toyota, said in an interview. “Is it going to be people testing their vehicles into the limits? Or showing off to their neighbors?”

Consumers understand the perils of relinquishing control, even if they don’t always heed their advice. Fifty-seven percent said technology will erode skills to the car-shopping site of researcher Kelley Blue Book in a casual survey of 847 traffic.

“Without doubt, technology is making drivers lazier and less attentive,” said Mike Harley, team managing editor at Kelley Blue Book. “Most of the digital ‘driver assistance’ attributes are intended to overlay basic driving skills, which calms the driver’s sense of obligation.”

A University of Michigan study revealed that may be true. Research was conducted by the faculty for an automaker concerned with how people are using when another vehicle is in a location detection systems that alert drivers. The study found a substantial increase in motorists failing to look over their shoulder when changing lanes, to check for themselves.

Too much confidence

“The more they’re exposed to these systems, the more they expect that the systems,” said Shan Bao, as associate research scientist in the university’s Transportation Research Institute, who conducted the analysis. In crisis situations, “they will trust the systems more than they will trust themselves.”

Surveys have shown consumers are fond of attributes since they relieve the monotony of long excursions and take the strain. However, abuse has been encouraged by the liberty afforded by the guides by drivers who treat the technology as though it capable of taking control, with no input or little necessary. Videos have emerged showing drivers as they trick the technology leaping from the back seat.

A national investigation into the fatality this past year at a Tesla Model S traveling in Autopilot manner revealed before crashing into a semi, the driver had his hands on the wheel for 25 seconds. Has altered Autopilot to require driver input.

No idea

“At a very basic level, customers do not have any notion of how these systems work because they are all named something different and they operate differently,” said Greg Brannon, director of automotive technology and business relations at the American Automobile Association.

Although AAA is urging regulators and automakers to think of standard terms and parameters for features, that conflicts with automakers want to develop and market systems and seek an edge over rivals.

Some producers are currently currently pushing at the boundaries of security by fielding systems that enable drivers to keep their hands off the wheel for too long in front of a chime and dash light remind them to take hold, Wakefield said, to make their cars look more sophisticated.

“The notion that you could take your hands off the wheel for 15 seconds and the driver remains in control, that is not realistic,” said Lund, of IIHS. “If they are taking off their hands for 15 seconds, then they are doing a few other things.”

Owner’s manuals

It is difficult for motorists to understand because automakers send signals, what systems can and can not do. The owner’s manual takes a careful approach because attorneys down water wording to avoid exposing automakers to liability, to describing the aids, the Brannon of AAA said.

Another threat is that motorists become accustomed to the aids when getting into vehicles or cars that are not equipped with the 33, that they overlook.

Performance varies by manufacturer if a driver jumps to an car that’s equipped with a system. Some cruise controls, as an instance, can bring a car to a stop during driving, but not at highway speeds.

“So a driver might become used to it working in city, but not realize that over speeds of 50 mph, it is not likely to bring the vehicle to a halt,” Brannon said. “And that could end badly.”

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Is it legal to Create a?

08 Aug 17
Alibhai
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When can you legally make a U-turn? We utilize GPS a lot, and it saying to generate a U-turn. My fiancé says they are legal, although I thought they were illegal at intersections. — Jenn, Toronto

The U-turn principles in Ontario are straightforward as it happens. Unless you crossing or somewhere where you can’t be seen by traffic, you can make them everywhere there is not a sign.

“In an intersection, it may say, ‘No U-turns,”’ stated Sgt. Kerry Schmidt, together with the Ontario Provincial Police Highway Safety Division. “But otherwise, so long as it is secure — as long as it is not on a corner, a crest of a mountain of facing a railway crossing — you can do them.”

Of Ontario’s Highway Traffic Act (HTA) provides the specific restrictions; offenses lead to a $110 fine, such as fees, and two demerit points. In 2015, there were 119 offenses in Ontario, the Ministry of Transportation (MTO) stated in an e-mail.

You can make or in so long as you create and sign them.

“You can not interfere with any traffic that might be coming — if you do you might be charged with other offences, but not necessarily the U-turn offence,” said Const. Clint Stibbe, with Toronto Police Traffic Services.

Two other sections of this HTA — section 141 and 142 — “pressure the responsibility of all drivers to make certain that they make safe driving decisions when making turns,” the MTO stated.

Rules vary by state

Where did the notion that U-turns are not permitted at intersections come from?

, , unless there is a sign prohibiting them — New Brunswick and PEI let them in intersections it isn’t safe or another law’re breaking.

But they are, banned by other states, including Alberta, British Columbia and Saskatchewan . And page 32 of Newfoundland’s Says U-turns are not permitted at any intersection.

U-turns effectively prohibited?

And in Alberta and British Columbia, it is confusing when you are not in an intersection. In British Columbia, Bans with a stop sign or lights, and, if you are at a , anywhere except at an intersection that does not have a stop sign or lights.

So if you are on a street with shops or companies in British Columbia, you might find two points and a $ 121 nice if you create a U-turn in the center of the street.

However, B.C. cities have their own rules, too. In Vancouver, Bans U-turns on any at an intersection on any street between intersecting streets or in a lane intersection. They’re banned pretty much there. It is a $100 fine.

“[A] U-turn at the City of Vancouver, unless posted otherwise, is contrary to the Vancouver city bylaw,” said Staff Sgt. Randy Fincham, Vancouver police spokesman.

In , you can not create a or in the middle of a street or road between intersections, Calgary police said. However, you can make one in a rest in a median on a boulevard or in a stop sign long as a sign isn’t {}.

“It is a $155 fine and two demerits,” said Calgary police Const. Paul Ludlow within an e-mail.

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Car going for glory (Reuters)