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The term DWI, which is short for driving while intoxicated, refers to the consumption of alcohol. More specifically it is if your blood alcohol content, or BAC, is tested to have levels over 0.08%. That amount is equal to two beers or less in one hour. That is the legal guideline that the majority of states use so that they continue to receive funding from the federal government.

There are times that people who are high on marijuana or other drugs also receive that charge. Most times though, those that have consumed drugs face DUI charges, or driving under the influence. That is actually the same charge people have to face who get caught driving after just sipping a beer, but who don’t reach the BAC of 0.08. Even though those are two different charges, they have the same fines, penalties, jail time, points and need the same amount of money to defend.

When those that drink socially are caught, the fact is that they are put in the same category as more serious problem drinkers. The social drinker who maybe has one drink or two, maybe twice a year, are always shocked to learn of this rule.

The old federal guidelines, which are not as strict, are still followed in a few states which make their extra money with sales tax from restaurants and bars where drinks are ordered.

Because many borderline drinkers will opt to stay at home rather than have drinks in a bar, the heavy drinkers still take their chances and have higher BACs, in most cases, since they are the ones that the new laws don’t deter or affect any more than they did before. Many people argue that the police are spending more resources and tax dollars going after the social drinkers and not deterring the heavy drinkers any more than they did before.

Most states have adopted the .08% BAC, and the lawyers can charge quite a bit of money to defend driving privileges. There are other expenses involved, such as SATOP, the mandatory safety program for drivers that drink, in order to get their license back from administrative suspension. The inconvenience of the automatic suspension that occurs before you are ever found GUILTY in court is additional expense and stays on your record for up to five years, in most states on your first offense.

If you are charged, then a good lawyer is something you must have. Although you used to be innocent until proven guilty, that no longer applies to DWI charges. Actually, just by refusing the breathalyzer test you will most likely lose your license for a year and if you are found guilty of DWI, then you can also receive up to six months jail time for the first offense and up to five years for your third conviction. Most drug dealers don’t even have to fear those kinds of harsh sentences.

This is the main reason it may be advisable to get an attorney if you find yourself in this position. A drink with dinner can turn your entire life upside down. In some cases, drug dealers have it easier than the occasional drinker, with the stricter laws that have been enacted due to public outcry. More accidents involve drivers that have impaired judgment due to drinking, which is the reason for the crackdown and more frequent issuance of DWI charges, besides the Federal tax dollar incentives for more arrests. If you find yourself charged with a DWI or DUI, you need to seek legal help to protect your rights.

4×4s are subject to special rates and different kinds of insurance that other cars don?t usually have. If you have a 4×4 you are probably already aware of these differences. The extra features of a 4×4 make it capable of more, and therefore need extra insurance to handle the extra hazards they may encounter. Purchasers of this type of insurance should worry about getting the right type of policy to cover all of their specific needs.

The type of policy you have will affect what type of coverage you?re getting. All types of policies will cover other drivers and their vehicles in an accident. You can also get policies that cover your vehicle and your passengers along with theft and weather damage. 4×4 insurance has similar properties as regular car insurance however there are some slight differences. The main problem is that you?re going to do more damage to another vehicle if you hit them than you would in a car. Since the estimated repair costs will be higher they increase the insurance premium you have to pay.

Another huge factor is that 4×4 vehicles are targeted for vandalism and theft more. This is especially true if you live in the city versus in the country. Since the insurance company has the city as a higher risk zone for theft you will pay more in insurance. It?s best to live in a rural area where your high profile vehicle won?t be as likely to be targeted.

Fixing a 4×4 vehicle tends to be more expensive than fixing a regular vehicle. There are a few different reasons for this. The first reason is that 4×4 vehicles have parts that are specialized and harder to find and thus they are more expensive. Another reason is because many 4×4 owners will add extra parts to their vehicle. While these parts may make the vehicle perform better, as they do with sports cars, they are not covered by insurance and thus are more expensive to fix. Some companies will allow you to insure these parts however you will have to pay much higher premiums to do so.

The biggest difference between 4×4 vehicles and normal vehicles is the fact that many 4×4 owners take their vehicles off road. If you have your vehicle insured for off road driving then you will also be paying higher premiums. If you decide not to pay the additional cost then your vehicle won?t be covered while you?re off the road. Many 4×4 drivers also take their vehicles to various competitions. In some cases it?s best to have your vehicle covered for the special event rather than paying an additional price on your monthly premium.

The insurance basics are virtually the same besides these few factors. You will want to check with several insurance companies to try to find the best rate for your 4×4. You should also review the policies of the various insurance companies very closely as they may have different policies regarding your 4×4 and its coverage.

What’s the deal with the Auto Body Shops? Everyone might be asking themselves that question. It’s just a matter of knowing what things you should know before you get mad or happy with them. Your car is too important for you, and you should know how to save your money on some items before it’s too late.

Your car has sustained $1500.00 in damage; your insurance company pays you less a deductible. You schedule your vehicle to be repaired at your neighborhood auto body shop. Two days before you take in your vehicle, you get a nasty credit card bill.

The customer is always right, I know sometimes this is hard to stomach, but unfortunately one happy customer might tell one our two potential or current customers, and an unhappy customer will tell twenty people. And there’s no worst thing for a business than the bad publicity through word of mouth.

A shop might want to utilize some reasonable concessions. Back to our example, the auto owner’s vehicle is inspected by the insurance company and is paid less the deductible. The auto owner takes vehicle to shop and schedules repairs.

The shop at that time could work out some concessions with the owner, such as usage of alternative parts, does this 2 year old vehicle really need a $400.00 original equipment manufacturer headlamp assembly, or would I be ok, with a $180.00 used (like kind quality) assembly.

There is a significant industry impact due to customers declining repairs. The local auto body shop now looses that work. That repair employs numerous people in the shop, numerous parts and supplies vendors, and keeps the industry on its toes with new technology and innovations.

These are all acceptable practices. You as a shop owner or technician, need to make the auto owner understand how important it is to get there car repaired. There could also be numerous safety concerns. The shop needs to explain to the auto owner about hidden damage, and the decline in value of their vehicle.

In this every changing industry, it seems that there are hurdles that constantly need to be jumped. A vehicle is the average American’s second highest valued asset; it always amazes me that people do not want to keep their vehicle in top condition. I think that a few tweaks with customer service and salesmanship, you should be able to get repairs lined up in this tough time.

An intermediary is a person you can hire that will find you the best deal on your next vehicle purchase. They are very skilled at knowing exactly how much a certain type of car is worth, and about how much a car dealership should be charging. They are very useful if you don’t have the time to deal with salesmen. An intermediary will usually charge between $200-$1,000 dollars to find you a good deal, but it varies for different types of cars. In the end, hiring an intermediary could end up saving you a lot of money.

The reason that an intermediary can do what he does is because he usually has deals that he has set up with multiple dealerships. This in turn gives him more flexibility when shopping for your car and allows him to focus on getting you the best deal.

You should be careful when you’re looking for an intermediary to hire. Sometimes you will find intermediaries are actually employed by a specific dealership which will lead to you going to that dealership rather than the one that will give you the best deal. You can ask them for a statement which shows who they are employed by and how they get paid. You should also know the price range for the specific vehicle you?re looking at. This will help ensure that you are getting a deal on your vehicle.

Many dealerships prefer not to work with brokers. However an intermediary has a huge advantage when he goes to a dealership as he can?t be bluffed or lied to by salesmen because he knows all of the facts. However they will know which dealerships will give them and you the best deals.

As mentioned before, be sure that you do a good background check on your intermediary before you employ them. The laws that govern their business varies from state to state, so it may be a good idea to ask for references There is always the option to hire someone from a professional company, which means you will be getting more guarantees and securities with their work.

The charges vary from car to car and intermediary to intermediary. It is more expensive to have them find a used car for you since there is much more data to consider. They will take into consideration the mileage and condition of the car in their factors to how much it is worth as well. They will also have to look harder for used cars if you are searching for a specific make and model.

Asking the right questions before you decide to hire an intermediary is important. You should take your time and find out the information about the company that you need to know. It?s also important that you know that it?s not illegal for them to work for a sole dealership. If you want to be able to get the best deal you will want an intermediary that works with multiple dealerships. Finally you will want to be open minded about working with an intermediary that is not local. Many intermediaries work from home and set up deals via phone. Even though they may not be local they can still find you the deal you?re looking for.

When it comes to having your vehicle repaired, especially to having the auto body repaired, you would always want your vehicle to look great. However, at times, the auto body repair done on your vehicle might not be satisfactory or at least not as good as what you had expected.

They should ask if everyone was OK after the accident, generally, they should be more interested in your needs and concerns then their own profit margins. The sad thing is there are many body shops that are just in it for a quick buck and do not have the customer skills or even the repair skills to do the job you, or your insurance company, is paying for. So how do you weed those shops out?

Following are certain steps that you should follow if you are unsatisfied with the repair job done by the auto body shop:

Step 1: Talk to the manager or the shop-owner of the auto body shop you are dealing with, and explain your problem to them coolly and frankly. As most auto body shops rely on word of mouth, it is highly likely that your problem will be sorted out at this step itself.

All you need to do is explain clearly what you think is not repaired properly and what needs to be repaired. In case, the manager or the shop-owner fails to help you, move on to Step 2.

Body work is also important for your vehicle. Dings will happen and so will dents. Nothing takes away from the look of a car than body damage. Thankfully it can usually be quite easy to make your car look like brand new with a company that does good auto body work.

Ask if the body shop is on any insurance programs or direct repair programs, if they are ask why? the only reason I know why a auto body shop would agree to be on a program would be to get work that they could not get on their own. Again this does not mean just because they have a direct repair program they are not a great shop, but if they have 20 then I would be a little concerned? Ask them to explain.

Many car owners will buy an old car that runs great but has a bad paint job and structural damage. Within a few weeks of getting that car, they could be driving it down the road and no one would suspect it was rusted and severely dented thanks to the hard work of companies that do body work and paint jobs for cars in the Los Angeles area. There really is no better way to make your car look new again.

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