On Auto / Car Insurance

In brief, auto insurance covers loss or damage to the vehicle insured, Personal Accident and a third party liability.

Damage can be caused to the vehicle due to natural as well as man made calamities. Natural calamity includes fire, explosion, flood, earthquake, hailstorm landslide etc. Examples of man made calamities include theft, accident by external means, any damage in transit by road or rail etc.

Personal accident covers a compulsory insurance cover of a certain amount while traveling in, mounting or dismounting from the car, and one can opt for personal accident cover for passengers. The third party liability protects against legal liability arising due to accidental damages.

Vehicles are insured at a fixed value but the relief it provides at the time of need is much higher. The car insurance policy is normally valid for a year and one must renew it before it becomes void. As soon as the insurer gets the first premium, the auto insurance policy becomes effective.

In an event that an accident claim is needed, one has to submit a number of documents to the car insurance company like proof of auto insurance policy, driving license, original car registration book, claim form with estimates of repair charges received from the service centre etc. To know about the various aspects and matters related to auto car insurance , simply browse through my blog or do a Google search.

Lincoln, First Look: Lincoln C Concept Car Mini Cooper-owner style

Lincoln C Concept Car Mini Cooper-owner style

BMW has proven that rear-wheel-drive c-segment size luxury works, with its 1 Series, Lincoln is turning next to the 2011 Ford Focus' platform for post-global warming luxury. To prepare us for a CAFE-friendly world, Lincoln rolled out the C concept (for c-segment, and so far, without an "MK" prefix) at Detroit. Looking much like a Renault with Lincoln's "flying wing" '41 Continental retro cue grille, the C is about the length of the '11 Focus, but about 2.75-inches wider for three-abreast seating via two flat benches. Ford designers cite the '39 Lincoln, '56 Continental II and '61 Continental as inspiration. But the a-pillar is curved much like a Renault Espace's, and the c-pillar ends in a Clio-esque bustle trunk. While there's no tumblehome, a deep shoulderline accents the profile.

Lincoln C Concept Car Mini Cooper-owner style

The stainless steel-like top is actually aluminum with a metalized paint, and the gray interior wood trim is recycled driftwood veneer. The Lincoln C has more interior space than a '61 Continental, J Mays and Freeman Thomas proudly note. The engine, theoretically - Lincoln didn't open the hood -- is a planned 1.6-liter EcoBoost four with central direct injection, variable valve timing on both cams and an interesting stop/start system to shut down the engine for red lights and stop signs.

Lincoln C Concept Car Mini Cooper-owner style

Restarts use a fraction of the starter energy required for a cold start by injecting and igniting fuel in the cylinder closest to top-dead-center on the compression stroke. The six-speed, twin-clutch "Powershift" transmission uses more efficient dry clutches (Audi DSG's wet clutches require an oil pump). It gains 9-percent better fuel economy than a conventional automatic transmission, Ford says. Including some key weight savings, Ford expects the EcoBoost-powered C would get about 25-percent better fuel economy than a similar car with a 2.0-liter.

Lincoln C Concept Car Mini Cooper-owner style

Other interior features include no b-pillar (which Mays insists is approaching production viability, even if the "suicide door" feature that accompanies it is only for show), a hubless steering wheel rendered in Apple-computer white plastic, thin-seat technology for better interior room (another near-production feature), hand-drawn floral patterns laser-etched into the otherwise stark white leather seats, weight- and height-sensing power head restraints, and stereo speakers in the headliner, which surrounds a Lincoln-symbol glass sunroof.

Lincoln C Concept Car Mini Cooper-owner style

North America design chief Peter Horbury says his favorite feature, though, is a device in the car's grille that recognizes other Lincoln Cs and automatically "winks" the left headlight, Mini Cooper-owner style.

Lincoln C Concept Car Mini Cooper-owner style

Question is, can Lincoln build a c-segment car with so much appeal that owners "wink" or wave at others voluntarily? We may have to ask that question again when Lincoln markets a c-segment car, in as little as two or three years.