Car Issues During Quarantine

It is an uncommonly known fact that when you don’t run your car for a long time, it risks forcing you to deal with  maintenance issues that you normally would not have to worry about, rather than prolonging its lifetime. During quarantine, most people labeled as nonessential workers have had to stay home. Therefore, their cars aren’t being used as much as they normally would have been. While this has led to decreases in car insurance and gas prices, it has caused a rise in car problems as our country begins to open back up.

Common Issues

  • Dead Battery: Even when your car is not running, there are many electronics in it that will slowly drain your battery over time. When you run your car, your battery starts charging. However, if you let your car sit for too long, the battery can drain, and you won’t be able to start your car back up without a new battery or charging the current one with proper equipment or professional help.

 

  • Sun Damage: Leaving your car out on your driveway, in the sun, can cause interior damage. Your seats may become discolored and the fabric can be damaged. If you have any items inside your car that could melt, that can also cause permanent stains.

 

  • Brakes: Brakes can stick to the rotors, freeze, and stop working. The last thing you want is a running car that cannot stop under its own power.

 

  • Tires: Tires can deflate over time. Temperature changes affect tires and air can escape over time if this goes unnoticed. This can cause you to either have to inflate your tires or replace them altogether prematurely.

 

  • Gas: Gas can break down over time if it sits for too long. Bad gas can cause issues with a car’s ignition system and performance. Left unchecked, it may have to be checked by a professional to flush out or proper additives might be needed.

 

  • Critters: Unwanted critters can make your car their home if you don’t start it up over time. This could cause your car to be inoperable and even cause bad odors. Furthermore, certain critters, such as rats, can chew wires and hoses if they nest under your hood.

Contact Us

Throughout this pandemic, The O’Brien Firm has remained open to help their clients with any of their personal injury issues. Contact us today at: 716-907-7777 to speak with one of our experienced attorneys.

COVID-19 UPDATE: Although we are working from alternate locations, we remain fully functional and look forward to helping you.

 

How Will COVID Affect Auto Insurance Rates?

It is now more than two months into the nationwide COVID lockdown, and medical experts and government officials are warning Americans that returning to their normal routines may take months, or even years. With many people laid off from work or working from home, and travel severely restricted, there is some good news. The number of automobile accidents have decreased, and people are putting less wear and tear on their cars, causing many drivers to wonder how their insurance rates might be affected.

Fortunately, most major car insurance companies have taken steps to compensate their customers for part of the premiums they have paid for vehicles that have been virtually idle since March. Many have offered rebates and/or discounts on premiums during the pandemic. Some of these include:

Allstate: A 15% discount on premiums for April and May

Farmers: A 25% credit for April premiums

GEICO: A 15% discount on premiums for new policies, and for policies that renew between April and October 2020.

Liberty Mutual: A 15% discount on premiums for April and May

Progressive: A 20% credit on April premiums, and a 20% discount on May premiums

State Farm: An average credit of 25% for the period between March 20 and May 31.

USAA: A 20% credit for April and May premiums

All companies report that discounts and rebates will be applied automatically.

Since driving habits may be altered for quite some time after the pandemic is over, some insurers are offering new products, such as User Based Insurance (UBI). A UBI insurance policy calculates premiums based on the actual number of miles driven during the policy period. Users will have to install a tracking device on their vehicle to qualify for the programs, which could save money for people who drive sporadically. Some insurers also offer discounts for safe driving, based on devices that monitor such things as speed, the time of day a car is driven, and whether the driver makes sudden stops. While many are skeptical about allowing insurers to have access to so much information, others may be willing to accept the trade-off.

Insurance tracking devices may also be useful in the event of an accident, to prove that a driver was not exceeding the speed limit, for example. If your insurance company offers UBI or safe driving discounts, make sure to learn as much as you can about the type of devices they use and how the collected information is protected from unlawful use and disclosure.

If you or a loved one is injured in an automobile accident, the attorneys at The O’Brien Firm are here to help. Just call 716-907-7777 to for a free consultation. COVID-19 UPDATE: Although we are working from alternate locations, we remain fully functional and look forward to helping you.