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What To Do In Case Of An Accident in Corrales
Posted on October 23,13 by truck2
Screeching tires, crunching metal – it’s an accident! If you’ve ever been in a car accident in Corrales, even a minor one, you know how upsetting it can be. It’s hard to think straight and know what to do.
Let’s review what you should do in case of an accident:
When an accident occurs, you should always stop. Leaving the scene of an accident in Albuquerque is considered a crime – even if it’s not your fault. And hit and run penalties are fairly severe, possibly resulting in steep fines, loss of your NM driver’s license or even jail time.
Your jurisdiction may require that you try to help someone who is injured by calling for help or performing first aid if you are able. Warn other Kirtland Afb and Rio Rancho motorists by putting out flares, using your flashers or lifting your hood. Call Corrales emergency services as soon as possible. Tell the operator if medical or fire help is needed.
Always file a Albuquerque police report. It’s tempting to skip this if everything seems to be ok. But without a police report, the other guy can say whatever he wants about the accident later, and you’ll not have an objective report to help defend yourself. Discuss the accident only with the police. Emotions are strong after an accident and we naturally want to talk about it – don’t. Never admit fault or guilt to anyone including the police officer. Sometimes we may feel at fault, but in the eyes of the law, the other guy is responsible.
Truthfully give the officer the facts: such as “I was going thirty miles an hour” not “I wasn’t speeding”. Remember, anything you say to the officer or anyone else can be used against you.
Also get the officer’s name and ID number and ask where you can get a copy of the accident report.
Get the facts on the driver and owner of the other vehicle:
Date of birth
Driver’s license number and expiration
Also take down a description of the other Albuquerque vehicle, license plate and vehicle identification number. Most NM auto insurance companies don’t record license plate numbers, so the VIN number is the best way to track the vehicle.
Ask witnesses, including passengers, to wait for the police. If they can’t wait, ask for contact information and request that they write a brief description of what they saw. If someone refuses to leave their name, write down their license plate number so the police can track them down later if necessary. Always call your insurance agent or your insurance company. Call or see a physician if you think you may have been injured. For vehicle repairs, call Dearholt Auto Care at 505.857.0868
Contact Dearholt Auto Care to learn more about what do do in case of an auto accident. You can find us at: 7201 Wyoming NE Albuquerque, NM 87109 Or call us at 505.857.0868
Dearholt Auto Care and AutoNetTV hope that you never have to use this information and wish you happy Albuquerque travels.
Lease verses Buy
Posted on April 04,13 by truck2
Lease? Or buy? It’s always a tough question for residents in the Albuquerque area. But here are a few ideas that’ll make the choice more clear.
Either option gives you a choice of how you might finance your car. If you buy, you’ll pay the full cost of the car, with maybe an initial down payment, then monthly payments on the balance that pays down the loan principal, and the finance charge.
If you lease, you’re financing the portion of the cost of the car that’s used up during the term of the lease. When the lease is up, you return the car to your local Albuquerque area dealership. You’ll pay some money upfront; fees, security deposit, first month’s payment and maybe a capital reduction. The month payments include a depreciation cost and a finance charge.
So how do you decide?
First, how big a down payment can you make? A lease would require a smaller down.
How much monthly payment can you afford? Again, lease payments will be much lower for any given down payment.
A lease needs you to have better credit, so that’s a factor.
How long will you keep the car? If you tend to keep your cars around for a while, buying is cheaper. But just two or three years? Then leasing is the way to go.
If your car might suffer a ding or two, like, say a work truck would, then buying’s better. The leasing company will want their merchandise back at the lease end in tip top shape, and if repairs are needed, you’ll pay.
How many miles do you drive in and around the Albuquerque area? Important to consider because leases have a mileage limit, and if you go over, you pay a hefty charge per mile when the lease is up. So high mileage means a buy.
Will the car be used for business? Check with your accountant, but both financing options have different tax benefits, depending on your circumstances.
Over the short term, leasing is much cheaper. Medium term, leasing and buying costs are about the same. Over the long haul, leasing is always costs more.
Leases may sound a bit complicated, and the typical lease decision weighs more on the monthly payment, rather than price. So sometimes leasers may pay on a higher purchase price than a buyer would.
Here is a tip: If a salesman asks if you’ll be leasing or buying, say you’re not sure yet. Make your best deal, then look at financing options.
Here’s another: With a buy or a lease, if you total the car, you’ll owe the full amount of the loan, or the balance of the lease payments, and usually, it’s less than the car’s fair market value – and that’s all your insurance company will pay. But ask your agent about gap insurance, which pays the difference between fair market value and what you owe. Big consideration for a lease.
Remember, you have to return your leased vehicle in excellent condition, and may need to do all manufacturer’s recommended service and maintenance, or face penalties. So see your local Albuquerque service center on a regular basis, get the required work done and save the service records. It’s well worth it.
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