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Auto insurance

Auto insurance (also known as auto insurance price quotes ,car accident lawyer, rent car, hertz car, automobile insurance Vehicle insurance, gap insurance, car insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. The specific terms of 

 vehicle insurance vary with legal regulations in each region.

Public policies

In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver, however the degree of each varies greatly.
Several jurisdictions have experimented with a "pay-as-you-drive" insurance plan which is paid through a gasoline tax (petrol tax). This would address issues of uninsured motorists and also charge based on the miles (kilometres) driven, which could theoretically increase the efficiency of the insurance, through streamlined collection.

Coverage levels

Vehicle insurance can cover some or all of the following items:

• The insured party (medical payments)
• The insured vehicle (physical damage)
• Third parties (car and people, property damage and bodily injury)
• Third party, fire and theft
• In some jurisdictions coverage for injuries to persons riding in the insured vehicle is available without regard to fault in the auto accident (No Fault Auto Insurance)

Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.

Excess

An excess payment, also known as a deductible, is a fixed contribution that must be paid each time a car is repaired with the charges billed to an automotive insurance policy. Normally this payment is made directly to the accident repair "garage" (the term "garage" refers to an establishment where vehicles are serviced and repaired) when the owner collects the car. If one's car is declared to be a "write off" (or "totaled"), then the insurance company will deduct the excess agreed on the policy from the settlement payment it makes to the owner.
If the accident was the other driver's fault, and this fault is accepted by the third party's insurer, then the vehicle owner may be able to reclaim the excess payment from the other person's insurance company.

Behavior-based insurance

The use of non-intrusive load monitoring to detect drunk driving and other risky behaviors has been proposed.A US patent application combining this technology with a usage based insurance product to create a new type of behavior based auto insurance product is currently open for public comment on peer to patent

 

 

 

Most Exotic Cars & Car Makers in the World: Top 5 List

What is an exotic car? It is rare beauty, a work of art, a prestigious collectible. It is, in one sense, a car of uniquely new or experimental nature. An exotic car is one that performs highly superbly compared to contemporary sports cars. Exotic cars have a purely bestial design. To even drive one of these would definitely change the way you think of cars.

The following is a list of exotic cars & car makers. Sports cars don’t just come straight off the production line. They oftentimes begin with a company’s vision, its dreams. That is precisely what an exotic car is, the embodiment of a dream.

1. Ferrari - the spirit of Ferrari began with Enzo Ferrari who was an advent racer. The foundation of Ferrari marked the start of a burst of a frenetic sporting activity. This spurred the creation of powerful, exotic cars that are characteristic of Ferrari today. Because the visions behind Ferrari were one of the first innovators of exotic supercars, it deserves #1 for Best Exotic Car Maker

2. Lamborghini - the founder of Lamborghini made his name building farm equipment. He owned a Ferrari but noticed that he had to keep replacing the clutch. To his surprise, his own farm equipment clutches were better replacements. Thus, the beginning of the rivalry between Ferrari and Lamborghini was born. The spirit of competition spurred continual innovation over the years, bringing ever-improved exotic cars every year. However, the power of the original idea belongs to Ferrari. As #2, Lamborghini is only behind Ferrari in the popularity of its innovations.

3. Bugatti - a 21st century “harmony of design and technology.” The heritage of Ettore Bugatti is the heart of impressive technical design and exterior beauty. This can be seen in Bugatti’s signature supercar, the exotic Veyron. Ettore Bugatti sometimes made technical compromises for the sake of aesthetic integrity. This is a very gutsy vision of exotic cars, one which can only belong to the #3 contende

4. Porsche - under the direction of Ferdinand Porsche, the company constantly reached milestones before building the first sports car under his name in 1948. Ever-improving engineering designs mark the heart of Porsche then and now. With a strong spirit for exotic cars, Porsche sits at #4

5. Bentley - after a stint of making airplane engines in WWI, Bentley went on to make exotic cars. This venture was short-lived as Bentley was bought out by Rolls-Royce from 1930 to 1982. It was slowly revived as Volkswagen bought Rolls-Royce and Bentley in 1998. VW invested nearly one-billion dollars to get Bentley up and running again. From 2006 onwards Bentley became bent on producing ever-faster exotic sedans. For its strong spirit of endurance, Bentley sits at #5.

Most Expensive Cars In The World: Top 10 List 2011-2012

World's Most Expensive Cars

What is the most expensive car in the world? The 1931 Bugatti Royale Kellner Coupe was sold for $8,700,000 in 1987. However, that car and many alike will not be included in this list because it is not available on the market today. It is hard to imagine someone would actually spend 8 million dollars on a car instead of using it for something more productive. However, if you had the money and opportunity, you would probably spend a small fraction of it on a collection of supercars for your private garage.

Here are the 10 most expensive production cars on the market; we will not include concept cars.

1. Bugatti Veyron Super Sports $2,400,000. This is by far the most expensive street legal car available on the market today (the base Veyron costs $1,700,000). It is the fastest accelerating car reaching 0-60 in 2.5 seconds. It is also the fastest street legal car when tested again on July 10, 2010 with the 2010 Super Sport Version reaching a top speed of 267 mph. When competing against the Bugatti Veyron, you better be prepared!  

2. Pagani Zonda Clinque Roadster $1,850,000. One of the most exotic cars out there is one of the most expensive. It can go from 0-60 in 3.4 seconds with a top speed of 217 mph.  

3. Lamborghini Reventon $1,600,000. The most powerful and the most expensive Lamborghini ever built is the third on the list. It takes 3.3 seconds to reach 60 mph and it has a top speed of 211 mph. Its rarity (limited to 20) and slick design are the reasons why it is so expensive and costly to own

3. Koenigsegg Agera R $1,600,000. The Agera R can burn 0-60 in 2.8 seconds, reaching a maximum speed of 260 mph. It has the parts to reach 270 mph, but the supercar is electronically capped at 235 mph. With the completion of certain paperwork, the company will unlock the speed limit for one occasion.  

4. McLaren F1 $970,000. In 1994, the McLaren F1 was the fastest and most expensive car. Even though it was built 15 years ago, it has an unbelievable  top speed of 240 mph and reaching 60 mph in 3.2 seconds. Even today, the McLaren F1 is still top on the list and outperforms many other supercars

5. Ferrari Enzo $670,000. The most popular supercar ever built. The Enzo has a top speed of 217 mph and reaching 60 mph in 3.4 seconds. Only 400 units were produced and it is currently being sold for over $1,000,000 at auctions

6. Pagani Zonda C12 F $667,321. Produced by a small independent company in Italy, the Pagani Zonda C12 F is the 6th most expensive car in the world. It promises to delivery a top speed of 215 mph+ and it can reach 0-60 in 3.5 seconds

7. SSC Ultimate Aero $654,400. Don't let the price tag fool you, the 7th most expensive car is actually the 3rd fastest street legal car in the world with a top speed of 257 mph+ and reaching 0-60 in 2.7 seconds. This baby cost less than half as much as the Bugatti Veyron, yet has enough power to compete against the most expensive car. It is estimated that only 25 of this exact model will ever be produce

8. Ascari A10 $650,000. This badboy can reach a tested top speed of 215 mph, zooming 0-60 in 2.8 seconds. The British car company plans to assemple 50 of these supercars in their factory in Banbury, England

9. Saleen S7 Twin Turbo $555,000. The first true American production certified supercar, this cowboy is also rank 4th for the fastest car in the world. It has a top speed of 248 mph+ and it can reach 0-60 in 3.2 seconds. If you are a true American patriot, you can be proud to show off this car.

10. Koenigsegg CCX $545,568. Swedish made, the Koenigsegg is fighting hard to become the fastest car in the world. Currently, it is the 5th fastest car in the world with a top speed of 245 mph+, the car manufacture Koenigsegg has just released the Koenigsegg Agera R to compete against the Bugatti Veyron. The company is a tough contender and will continue to try and produce the fastest car in the world. Good luck with that