Home' Trinidad and Tobago Guardian : July 26th 2013 Contents Effective Date
The effective date is the date your auto in-
surance coverage begins. You are not covered
by car insurance prior to an auto insurance pol-
icy's effective date.
Emergency Road Service
This optional auto insurance coverage pays a
fixed amount toward vehicle towing if your car
breaks down or if your car gets disabled in an
Also known as riders, endorsements are
changes to the original insurance contract. In
auto insurance coverage, endorsements may
include changing your deductibles or adding a
new car to your auto insurance policy.
Exclusions are situations that are not cov-
ered by a given auto insurance policy. Specific
exclusions are listed in your auto insurance pol-
Extraordinary medical coverage is some-
times a part of Personal Injury Protection or
First Party Benefits plans.
Extraordinary medical coverage protects you
in the event you suffer accident-related injuries
that require serious and/or long-term medical
care. Extraordinary medical coverage begins
once you have exhausted the limit on your
standard medical benefits coverage.
Rain and wet roads can mean
driving trouble. On a wet road you
can't stop, accelerate or turn as
well because your tyre to road
traction isn't as good as on dry
roads. If your tyres don't have
much tread left, you'll get even
It's always wise to go slower and
be cautious if it starts to rain while
you are driving. The surface may
get wet suddenly when your re-
flexes are tuned for driving on dry
The heavier the rain, the harder it
is to see. Even if your windshield
wiper blades are in good shape, a
heavy rain can make it harder to see
road signs and traffic signals, pave-
ment markings, the edge of the
road, and even people walking. Road
spray can often be worse for vision
than rain, especially if it comes from
a dirty road.
So it is wise to keep your wiping
equipment in good shape and keep
your windshield washer tank filled.
Keep your windows clean inside.
This will make them less likely to
fog up. Replace your windshield
wiper inserts when they show signs
of streaking or missing areas on the
windshield, or when strips of rubber
start to separate from the inserts.
Driving too fast through large
water puddles, or even going
through some car washes, can
cause problems too. The water may
affect your brakes. Try to avoid pud-
dles, but if you can't, try to slow
down before you hit them.
Hydroplaning is dangerous. So
much water can build up under your
tyres that your vehicle can actually
ride on the water. This can happen if
the road is wet enough and you are
going fast enough. When your vehi-
cle is hydroplaning, it has little or no
contact with the road.
You might not be aware of hy-
droplaning. You could drive along for
some time without realising your
tyres aren't in constant contact
with the road. You could find out
the hard way; when you have to
slow, turn, move out to pass - or if
you get hit by a gust of wind. You
could suddenly find yourself out of
Hydroplaning doesn't happen
often. But it can if your tyres
haven't much tread or if the pres-
sure in one or more is low. It can
happen if there is a lot of water on
the road. If you can see reflections
from trees, telephone poles, or
other vehicles and raindrops "dim-
ple" the water's surface, there could
Hydroplaning usually happens on
higher speed roads. There just isn't
a hard and fast rule about hy-
droplaning. The best advice is to
slow down when it is raining, and be
Some Other Rainy
Turn on your headlights -- not just
your parking lights -- to help make
you more visible to others.
Look for hard-to-see vehicles
coming from behind. What you see
through the rearview mirrors may
be distorted by raindrops on the
outside mirror and rear window.
You may want to use your head-
lights even in daytime if it's raining
Besides slowing down, allow
some extra following distance. And
be especially careful when you pass
another vehicle. Allow yourself
more clear room ahead, and be pre-
pared to have your view restricted
by road spray. If the road spray is so
heavy you are actually blinded, drop
back. Don't pass until conditions im-
prove. Slowing down is better than
having an accident.
Use your defogger if it helps.
Have good tyres with proper
Source: GM Motors Corporation.
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