Medical Bills - Evaluating Your Personal Injury Insurance Claim
Dan Baldyga
The value of a personal injury claim has a direct relationship to the amount of your medical bills. Why Because a claim with medical bills of $500.00 is worth three to five times more than a claim with $100.00, or less. And that
Trailer Buying Guide
Derek Chastain
Thinking about buying a cargo trailer, horse trailer or even a motorcycle trailer but arent sure which trailer to buy As you might have realized, choosing a trailer now-a-days can be perplexing. Its not surprising given the amount of trailer manufacturers and different types of trailers available.
There are many factors to consider when purchasing a trailer. One of the first considerations is to choose an established trailer manufacturer. As with most everything, you usually get what you paid for, so try to choose the best trailer that you can afford.
Deciding on what type of trailer you need for your application will help in narrowing down the manufacturers. There are trailers for almost every conceivable type of cargo, from motorcycles to horses to concessions. If you have to haul it, then theres a trailer made to haul it or at least one that can easily be converted to do the job.
After choosing a manufacturer, figure out what size trailer youll need. Trailers come in several different widths and lengths. If youre considering an enclosed trailer, youll also need to consider the height of the interior. If your trailer towing needs require that you spend very much time inside the trailer, choose one with enough interior height to keep you from bending your neck or back when standing.
Open or Enclosed Trailers
The next step in choosing a trailer is figuring out whether you will need an open or an enclosed trailer. An open trailer is one which exposes the cargo to the outside elements. If inclement weather isnt a factor for your cargo, then an open trailer may be the most economical choice. Open utility trailers can range in price from about $900 to $2500 new.
Open utility trailers are well suited for many applications including small landscaping businesses that are just starting out and need a way to haul their landscape equipment. As their business grows and they decide to move up to an enclosed trailer, the open utility trailer will still be incredibly useful for hauling all sorts of material such as mulch, rock and plants.
Another plus for open trailers is their weight. Open utility trailers tend to be lighter and provide less aerodynamic drag than enclosed trailers.
While open trailers are economical and very useful, they do not provide the protection from the outside environment that an enclosed trailer will. Enclosed trailers also offer an added measure of security because the trailer functions as a portable, lockable storage building.
Enclosed trailers tend to be heavier and less aerodynamic than open trailers. Enclosed trailers usually cost in the $1600 to $5000 range new, but can go much higher.
Single or Tandem Axle
Once youve decided on either an open utility trailer or an enclosed cargo trailer, youll need to decide whether the trailer should have a single axle, dual axle or possibly even three to four axles.
Single axle trailers have just one load bearing axle. Trailers with single axles come with and without brakes, but as a general rule of thumb, most single axle open and enclosed trailers come without brakes. If you plan on hauling more than 3000 lbs, trailer brakes need to be considered. In fact, its a legal requirement in most states.
Anything heavier than 3000 lbs should be hauled on a dual axle trailer, be it an open or enclosed trailer. Dual axle trailers use two load bearing axles and usually feature either leaf springs or independent torsion bar suspensions. Brakes are recommended for dual axle trailers and again may be required depending upon where you live. Also, dual axle trailers tend to track more accurately than single axle trailers over varying road surfaces.
Rear Access
If you decide on an enclosed trailer, next you have to decide on either a ramp rear door, double rear doors or one single barn-type door. Choosing the type of rear access will greatly depend on the cargo you intend to haul. If youre going to be hauling a motorcycle, race car or any other type vehicle, then a ramp rear door will provide the easiest loading and unloading method.
Be sure though when purchasing a trailer with a ramp door that the ramp is spring assisted as some of the ramp doors can be very heavy. Ramps are also nice for hauling furniture or other heavy items where youll be using a dolly to load and unload them.
If you will be using the trailer quite often and will be in and out of it, then a ramp can become rather cumbersome. Enter double door trailers. It is much easier to open the doors, step in and get the tool or item you need and then step out and close the door than it is to drop a ramp every time you need access. Too, you have to consider the clearance needed for opening a ramp rear door.
Single barn type rear doors are usually found on smaller enclosed trailers and are comparable in convenience to double rear doors.
Trailer manufacturers are aware of the ramp issue and most now add a side door for access to their enclosed trailers giving those that require a ramp the best of both worlds.
Trailer Brakes
In addition to the various types of trailers, there are several types of trailer braking systems.
Electric braking systems are the most common type of braking systems found on trailers today. These type braking systems connect the brake system on the tow vehicle to the brake system on the trailer. This is accomplished by installing a brake controller inside the tow vehicle. The controller senses the braking force of the tow vehicle and in turn activates the brakes on the trailer.
A hydraulic surge brake system consists of an actuating cylinder that is usually integrated with the trailer tongue assembly. As the tow vehicle applies its brakes, the "surge" of the trailer towards the decelerating tow vehicle compresses the surge actuator. As this cylinder is compressed, force is applied to the master cylinder and from there to the braking cylinders.
Surge braking systems are more expensive and usually only needed if youll be using several different tow vehicles that would each require a brake controller.
Electric brakes are usually preferred over surge brakes because their operation is independent from the tow vehicle. If for some reason the tow vehicle loses its brakes, there would not be enough deceleration surge to activate the surge brakes. However, with electric brakes, the driver could manually activate the brake controller thus allowing the trailer to slow the entire rig.
In some states, any trailer with brakes is required to have a breakaway system. In the event that the trailer becomes disconnected from the tow vehicle, the trailer brakes would apply automatically to stop the run away trailer. Trailer equipped with electric brakes carry a separate battery to activate the breakaway systems. Surge brakes use a cable that locks the breaks in a breakaway situation.
Informed Buying
The most important aspect of buying a trailer is to be an informed buyer. Ask lots of questions. Any reputable dealer will be glad to answer your questions and in fact, should ask you a lot of questions regarding your intended cargo load. Ask about the warranty. Does the manufacturer stand behind its work Most established manufacturers offer a very good warranty program and will go out of their way to satisfy a customer.
To help in your search for the perfect trailer, you can visit http://www.trailershopper.com where youll find hundreds of new and used trailers for sale by individuals and dealers.
About The Author
Derek Chastain
Derek is the webmaster for http://www.trailershopper.com, an online resource for buying and selling trailers of all types.
You may reprint this article on your site, ezine or newsletter as long as the link to http://www.trailershopper.com is not removed.
Protect Your Car From Road Salt
Marilyn Pokorney
Every winter drivers should take active steps to protect their car from road salt.
Road salt is necessary for safe transportation when snow and ice accumulate on roads and highways and cause dangerous driving conditions.
Salt was first used in the 1930s in snow and ice control to make roads safe and passable by creating a lower freezing temperature of the water. It is the most available and cost-effective de-icer. It is easy to store, handle, and apply.
Some 15 million tons of de-icing salt is used each year in the U.S. and about 4-5 million in Canada.
Salt keeps snow and ice from bonding to the pavement and to allow snowplows to remove accumulations quickly and efficiently.
Studies show that salt use reduces accidents by 88%.
Washing your car during wintertime is one of the best things you can do to maintain the value of your car. Mud, salt, rain, sleet, and snow can damage your cars clear finish. Mud and salt caked on the undercarriage promote rust, especially in older vehicles, and can also affect how well your car drives.
To prevent winter damage, it is recommended that you wash your vehicle every 10 days. Wash your vehicle whenever the temperature is 40 degrees F. and above. Do it during the day so that it dries completely before freezing evening temperatures begin.
Immediately after washing the vehicle, open and close all doors, the trunk, and other parts of the car with locks several times before parking it to prevent locks from freezing.
Always wash your car right after a snow or rain shower. Rain and snow collect pollutants in the air and drop them as acid rain which can damage the cars protective finish. Snow and sleet also include the corrosive road salt.
Wash the underside of your car often during the winter months in car washes that do not use recycled water.
Avoid driving through large puddles of standing water which is saturated with road salt.
Any paint chips that are larger than the tip of a pen should be taken care of immediately.
Wax your car at least every six months. Put a good heavy coat of wax on your car before the winter storms hit. This heavy coat will protect your paint from the corrosive salt and cold temperatures.
More frequent waxes are needed if your car is red, black or white because these colors are more susceptible to acid rain and UV rays.
When spring time rolls around, treat your car to a good wax job again. Be sure to remove all road grime and salt off of the car before you begin waxing.
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About The Author
Marilyn Pokorney
Freelance writer of science, nature, animals and the environment.
Also loves crafts, gardening, and reading.
Website: http://www.apluswriting.net
marilynp@nctc.net