car insurance safety

Drivers face insurance bills for cars they don’t use

2011-09-22T20:40:00.000-07:00

Drivers who fail to insure cars they own but don’t use are now breaking the law, and could face fines or even having the car destroyed.

New insurance laws came into force on Monday – under the Continuous Insurance Scheme, any car owned must have insurance unless it is specifically declared off road.

However the Government has allowed an amnesty to give drivers time to obtain the necessary insurance – according to consumer website moneysavingexpert.com, enforcement of the new law is likely to begin on 20th June.

Anyone found to have failed to insure a vehicle that has not been declared off road (using a Statutory Off Road Notification of SORN form) could initially be fined £100. Further refusal to insure the vehicle could result in it being clamped, seized or even destroyed.

The rules have been brought in to reduce the number of uninsured vehicles in the UK, which is currently around 1.4 million. By requiring insurance on all active vehicles, the Government will be able to match drivers to insured vehicles.

The law applies to all vehicles, for example classic cars or motorhomes that spend much of their time unused on driveways. Even a lapse of a few days could attract a fine.

Acccording to moneysavingexpert.com while the new law could help reduce the numbers of uninsured drivers, that add £30 to every motor insurance premium, it could also lead to big bills for motorists who simply auto-renew their insurance rather than shopping around.

“Anything that cracks down on uninsured drivers is good news for motorists,” saysmoneysavingexpert.com creator Martin Lewis.

“Yet it’s important any savings for insurers are passed onto customers, who’ve already seen 40 per cent hikes in car insurance in the last year alone.”

He adds that simply auto-renewing with an existing insurer to avoid fines will allow insurers to hike prices knowing they’ve no competition.

“To avoid this, everyone should diarise six weeks before their renewal is due to start the comparison process, as if you wait until your insurer reminds you it’s often too late.”

by: Andrew Charman

Travel sickness

2009-10-07T09:04:00.000-07:00

Travel sickness (must know) - If your kid gets travel sick easily in the car, try putting them in the middle of the back seat (if the seatbelt is suitable for a child). Encourage them to look out of the front window. Focusing on the horizon helps stabilise them, and their stomachs.

Ginger is great for preventing and treating mild sickness. Ginger tea or powder is the most effective, but not the most child-friendly. Ginger snap biscuits should go down a lot better.
Reading books can often make children travel sick. Try audio books instead. They can listen to them on their own MP3 or CD player, so you're free to listen to your 'boring' music with no complaints.
Essential oils are great for settling the stomach. Place a few drops of chamomile, peppermint or ginger onto a couple of cotton balls and place them in the side pockets next to their seat. Or onto a handkerchief to be inhaled whenever they're feeling a little queasy.

Vehicle maintenance Tips

2009-10-07T08:54:00.000-07:00

Vehicle maintenance Tips - Carrying spare bulbs for your car is always very handy. In fact, on mainland Europe it's compulsory to carry an emergency bulb kit. Just put them in your boot and make sure your owner's manual is handy so you know how to fit them.

Check your car's oil level when the engine is cold. If you do it after the engine's been on, the oil may be deposited higher on the dip stick and, on some vehicles, could give a false reading.

Try to avoid hitting your tyres against kerbs, especially when parking. It can cause the tyre to weaken without showing any damage on the outside.

Check your spare tyre from time to time you never know when you might need it. And it's an offence to fit a spare thats not roadworthy.

Don't just use screen wash to stop your water freezing in the winter. It's great at removing insects from your windscreen in the summer too.

I recommend you change your wiper blades every six months, even if they haven't been used very often. This is because the rubber deteriorates over time when exposed to the atmosphere.

Top five things about ur car

2009-08-26T20:35:00.000-07:00

Top five things to look out for when buying second hand cars - Buying a good or a dud second-hand car can mean the difference between saving and spending hundreds of Pounds.
top tips on how to get the most out of buying a second-hand car:
Buy a second-hand car which is less than five years old - One of the most inconvenient areas of buying second-hand cars is in the "soft", non-mechanical areas - such as door handles, stereos, windows and coverings.
Buy a car with a full service history - A car with a full service history usually means that the owner is the kind of person who takes care of their things. It will be easier for you to resell the car if it comes with a service handbook.
Buy from someone you know - It is usually better to buy a car that was driven by an older person (i.e. over 30). Buying from someone you know can also mean that you may have some opportunity for recourse if things go horribly wrong with the vehicle.
Get the vehicle checked for roadworthiness - Forewarned is forearmed: Use a reputable testing agency such as the Automobile Association to have the car thoroughly checked for mechanics. It can tell you whether or not it would pass the requisite roadworthy licensing test.
Look for the details - Check the pedals for wear and tear - smoother means more kilometres on the clock. (12,000 miles per year is a good average.) Look for cigarette burns and rips in the cloth. Finally, check that the spare tyre and jack are present.

How to pay less for your car insurance ?

2009-08-26T20:31:00.000-07:00

How to pay less for your car insurance ? - Shop around for online car insurance quotes when looking for insurance or if your existing policy is up for renewal. Changing your policy or the way you pay for your insurance could save you money over the policy term. Look out for deals being offered through your student union.

Consider buying a car that will be cheaper to insure. Small cars, that are light on fuel, have relatively cheap running costs and inexpensive spare parts will also mean lower premiums to you.

Modified cars cost more to insure so quell the boy or girl racer in your soul and stick to the factory standard models. Any modification to your car will increase your car insurance premium.

Consider increasing your voluntary excess as this will bring down your car insurance premium. Bear in mind that if you are in an accident this will end up costing you more.

How To Fill an auto insurance claim ?

2009-07-20T00:39:00.000-07:00

How To Fill an auto insurance claim ? - Here's the Guide to Filing a Car Accident Claim
After an accident has damaged your vehicle and caused injury to yourself or passengers, you do not want to find yourself scrambling to figure out what needs to be done to file a proper claim auto insurance claim. You need to know your rights as a policy holder. Following the right steps can help ensure that property and bodily injury costs are reimbursed.
Follow these steps if you are in an accident:
Call the police from the scene: After an accident if anyone has sustained serious injury, call 911. If no one is seriously injured call the police to the scene to take an incident report.
Exchange information with the other driver: If no one is seriously injured, exchange information with the other driver. Be sure to get license plate and auto insurance information. In some instances the police may prefer to do this for you.
Look for witnesses and get their information: See if there are any witnesses to the accident and ask them to remain until the police can speak to them.
Get immediate medical examination or attention for injuries: Even if you have not had to call an ambulance, you may have sustained costly injuries without being aware of it. Get and examination and medical attention as soon as possible.
Call your insurance company and let them know you were in an accident and start the claim process: If at all possible, let your insurance company know about the incident while you are at the scene. Letting them know an incident has occurred and the details of the incident can provide you with valuable information and often your claim can be started right then.

Call the other persons insurance company to let them know of the incident and your intention to pursue a claim: Ask your own insurance agent about the regulations and details of your exact situation to determine if you should contact the persons insurance company. If your insurance agent determines you should contact the other policy issuer, do it as soon as possible.
Write down a version of the events while it is fresh in your head: Try to have details written down as soon after the accident as possible and use that text as a reference when insurance companies, adjusters or any legal professionals involved contact you.
Meet with an adjuster: To complete any claim you will be asked to meet with an adjuster who will examine the vehicle and possibly your injuries and receipts from associated costs in order to determine the validity and amount of reimbursement for a claim. If someone else is at fault you may be asked to meet with both their insurance companies adjuster and your own.
If your own insurance company does not offer an acceptable reimbursement: If the reimbursement you are offered does not cover your costs, you can ask for arbitration and try to negotiate a different settlement. If reimbursement from the other party’s insurance company is not acceptable, you will have to consider legal action.

Insurance Fraud Protection

2009-06-07T22:42:00.000-07:00

If you become a victim of car insurance fraud, you pay. Not only will you pay higher premiums because you may acquire a costly claim, but, as with any car accident, you and your family could pay with your lives. It is important to learn more about fraud protection so you can protect yourself from others who may choose you to be a part of their next car insurance accident fraud scam.
Insurance fraud began when insurance first began. Incidents have been recorded as far back as ancient Greece. Ship scuttling was an insurance scam in ancient Greece where ships were purposely sunk. Later insurance fraud traveled to England then to America. When automobiles were introduced it opened a whole new arena for fraudulent insurance claims. Today, with modern technology, many fraudulent car accident claims do arise from sophisticated organized crime rings that can be hard to detect. Don't let this make you a victim of an insurance scam. Whether the insurance scam is from an organized crime ring or an individual, there are fraud protection steps you can take to help you be more aware and avoid being a scammer’s next victim.
First, it is important to know what types of insurance scams are used. There are many types of car insurance scams. Set-up car accidents can range from vehicles deliberately stopping in front of a driver to cause a rear-end car accident to drivers who pretend they are being helpful but intend to cause a car accident that will look like the innocent drivers fault. Scams can also involve people one would generally trust such as doctors and lawyers.

Here is a list of common scams to be aware of:

1. Staged Rear-End Car Accidents: A scam driver will quickly get in front of an innocent car and then slam on their brakes. This causes the innocent driver to rear-end the scam driver. Along with collecting money for vehicle damages, the scam driver will often fake medical injuries to collect even more.

2. Adding Damage: After an accident, either staged or not, the scam driver will go to another location and cause extensive damage to their vehicle and claim that the damage happened during the original accident.

3. Fake Helpers: Scam Helpers will wave an innocent driver into traffic, but then crash into the innocent driver. When it comes time to file the claim, the scam driver will deny waving anyone in. Other ways fake helpers try to scam people is by offering to help an innocent driver find a auto repair shop, doctor, or lawyer. In this case, everyone is in on the scam. The body shop charges you enormous rates, the doctor and lawyer also lie to collect more from your insurance.
Since these scams can happen at any time and place, it is important to be prepared. Awareness is the most important. Watch for drivers who may be following you or examining your driving habits. Also, make sure you leave plenty of room in front of you in order to stop. If an accident does happen, take notes on everything about the other car, the accident, and everybody that was in the other car. Keep a disposable camera in your car to record damage to both vehicles. Furthermore, use your judgment in driving, not others. Make sure you have enough room to get out and just let other cars pass instead of letting others "waive you in." And, when you talk to your insurance company, let them know if you felt something was suspicious.

Car Insurance Police for Your First Car

2009-06-07T22:39:00.000-07:00

Your First Car Insurance Policy

Getting your first car insurance policy may not be a priority but it should be. Car insurance protects one of your first investments, your car. But car insurance can be complicated and often new car insurance shoppers fail to compare car insurance rates and in turn fail to reap the financial benefits of finding the best and affordable car insurance available to them.

online car (buying)

2009-02-09T20:00:00.000-08:00

Buying Online on with the Dealer?
The newest way to buy a new car is to buy via the Internet. Hundreds of car-selling sites provide the services where you simply choose all the specifications of the vehicle you are looking for, and they will do the legwork to find such a car in your immediate area. While this method of car buying may still be in its infancy, it may be particularly useful to those with little time―and an adventurous spirit. Before committing to this method of car buying, however, be sure to read and thoroughly understand the small print on the agreement.
For most car shoppers, the trip to a dealership is inevitable. If you have seriously crunched your budget and have a firm price in mind, and if you have done your research, you should anticipate a successful buying trip. The vast majority of car sellers are on the up-and-up and they want to make the process of buying a car as easy as possible for both parties involved.
A strong dose of self-confidence is in order, however, for that first trip to the lot. You don't want to get talked into more of a car, and more of a monthly payment, than you have planned for should you run into a high-pressure salesperson. When you are ready, here are a few hints that may help the whole process go more smoothly and perhaps help get you the best deal:
Time of day:There are two schools of thought on this issue: some experts advise going to the dealership first thing in the morning, others suggest coming in toward the end of the day. If you are at your best first thing, then by all means shop early in the day. The salesperson may be looking for a jump-start to a terrific day of sales, and you may come away with a great deal. On the other hand, if you still have one eye closed until after noon, don't rush yourself. Many a great deal has been cut right before closing time because the salesperson or dealer want one more sale for that day's books.
Day of the month:Traditional wisdom says that some of the very best days to buy a new car are at the end of the month because the dealership and sales force want to eke out the best end-of-month figures they can.
End of the year:October used to be the month to buy a new car in anticipation of the new models' arrival in November. While many car manufacturers still adhere to that traditional schedule, many carmakers now stagger their new models' issue date. If you have done your homework, you will know when the new models will arrive. Plan to shop for your new car just prior to the new cars coming out. You may not find everything you want (like a certain color), but you may drive away with a new car at a very good price.
Special promotions:Once you know which make and model car you are going to buy, start watching the media for national or local promotions and sales. A drop in interest rates or bonus add-on feature offers for a limited time may just be the incentive you've been waiting for to decide to shop at a particular dealer.
Weather:During inclement weather, new car sales drop off significantly. While conducting business in a driving hailstorm may not be your idea of a good time, if you're ready to purchase that new car, going to the dealership on a less than perfect day may just save you some money.

Online Auto Loan

2009-02-09T19:57:00.000-08:00

Auto Loan
Similar to a vehicle, your auto loan should suit your needs, and should make sense for your lifestyle and your budget. It should be something you feel good about and comfortable with. So take the same approach to finding an auto loan that you use for finding your next car: Shop around.
Your first step is to look at your budget. How much can you comfortably spend on a car payment and auto insurance each month? Do you have the funds to make a down payment or will you be trading in your current vehicle? Does it make more sense to buy used or new?
Once you determine what you can afford, find out the going auto loan rates in your area. That way when you are ready to apply online, you’ll have a better understanding of interest rates and loan terms.

how to shop online

2008-12-15T20:49:00.000-08:00

A lot of consumers are afraid to shop for car insurance on their own via the internet. They have heard the stories of many mistakes and consumers who are paying more than they should. And while there is a chance that you could make a major error and end up in a worse position, this is not something that should slow you down. There is no reason to believe that you, a smart consumer, would make these common errors when shopping online. There are a lot of ways that you can buy car insurance, and as of late there is none better than the internet which offers the ability to research and shop without wasting time.

Will you feel lonely? So many consumers will not shop for car insurance on their own because they don’t want to feel like they are truly “on their own.” Remember, just because you are shopping for car insurance via the internet does not mean that you will never speak with a live person. Once you choose the policy that you want to buy, you may want to give the company a call to get everything in place. Also, you always have the chance to cut ties with the internet and directly contact a car insurance company if you are running into issues.

If you shop for car insurance on your own you will be pleasantly surprised at what this offers. Don’t be silly, you are a smart consumer. And smart consumers shop for car insurance online.

online auto insurance

2008-12-15T20:27:00.000-08:00

high risk auto insurance

If you've had your license suspended or revoked and requires an SR-22 policy for reinstatement. The Registry of Motor Vehicles in your state will notify you if you require an SR-22 policy. The General can help you acquire the proper documentation for reinstatement online within minutes.

If you are 70 years old or older. While some insurers view you as high risk, The General views you as an experienced driver who deserves an affordable auto insurance policy.
If you are 20 years old or younger. Again, while other insurers view you as high risk, The General believes you deserve a fair auto insurance quote and we won't penalize you because of your age. Instead, we'll work to customize a policy that fits your insurance needs and your budget- low cost auto insurance made easy.

If you have a history of auto accidents or violations. Other insurers may try to keep you off the road, but The General can give most drivers an auto insurance policy that will keep them insured. We'll even offer you discount points over time for keeping a clean record and being a cautious driver.

auto insurance & theft

2008-12-06T21:19:00.000-08:00

What does vehicle theft have to do with your auto insurance premiums?

Insurance coverage for theft is included in the comprehensive part of your auto insurance policy. As vehicle theft increases, the part of the insurance premium you pay for comprehensive coverage is also likely to increase.
If you include comprehensive coverage on your car insurance policy then, part of determining your insurance rate requires the insurer to assess the likelihood your car will be stolen. This includes a review of car theft rates in your region and how frequently thieves are attracted to your car's make and model. Because each insurer varies in how they calculate auto insurance premiums, it's important then that you shop around for the best car insurance price. No two auto insurers are alike!

auto insurance

2008-12-05T21:14:00.000-08:00

You've shopped around to find the best deal when buying a car. So why not find ways to save on auto insurance and find the best coverage for you?

how your deductibles can affect your auto insurance rate, plus other ways to save money, while also ensuring that you're not sacrificing quality to save on auto insurance.

You've made an investment in your vehicle and want to ensure it's protected without hurting your pocketbook. Being an informed shopper will empower you to find the right auto insurance company and policy that fits your needs and budget.

car insurance quotes

2008-12-05T20:57:00.000-08:00

Car Insurance Quotes...

Going to only one insurance company who gives you only one quote may be easy, but it certainly isn’t going to get you the best rate on insurance for your car. When you use NetQuote, you’ll get more than one auto insurance quote, and no matter how many you get, they will all be free.

The greatest benefit of more than one insurance quote is the ability to compare them. This gives you the opportunity to get the auto insurance that’s right for you. In addition, insurance companies know they are competing for your business and that inspires them to give you the best price.

Safe Car Insurance Secrets You Need to Know

2008-11-19T19:08:00.000-08:00

Do you want to be on a good line of communication with your car insurance company? Well, you should want to be, but you need to make sure that they want to be on a good line with you as well. Sometimes you will face a car insurance company who wants to hold back secrets from you in order for them to have the advantage. If you are paying them money then you need to be the one with the advantage. The following are a few tips that the insurance company will not often tell you. Make sure that you can call them out on it and get the best car insurance for your situation. You owe it to yourself and your car. You Could Pay for Your Friend There are all times when we are being good friends and we let other friends drive our car. It is a nice thing for us to do, especially if they are in trouble. What some auto insurance companies do not tell you is that you will most likely have to pay for their mistakes. If they get in a collision with another vehicle then it might not matter to the company who was driving. You might see a jump in your auto insurance even though you are not the one who is driving. This is something that you really need to keep track of because you should not want it to harm you. Plus, you still need to be a good friend, but explain to them the situation. They Might Not Value Those CDs Yes, your CDs can get damaged if you are in an accident. The unfortunate part is that the auto insurance company might not cover those compact discs that have been damaged. Most people make the mistake of thinking that they will get some money back for this, but most of the times personal items are not going to be covered. Even though this might be the case, you still should file a claim with your car insurance company for the CDs and see if something will come of it. Just do not expect to get a lot of money back for your CD collection. Do not be caught off guard by getting denied this. Your Car Model Might Affect a Premium Not all cars are treated equal. This is something that will be the thought of your car insurance company even though they might not want to tell you that. They want your business so they might leave out the fact that your car model will be harder (thus more expensive) for them to insure. Many people do not realize that different cars require different insurance, so they are shocked when they might have to pay more. Make sure you get quoted on auto insurance by a few different places just so you can know what is suppose to happen. That way you will be able to find the best place for you to get insured.

Racing to Find Car Insurance

2008-11-18T20:01:00.000-08:00

Are race car drivers the best drivers in the world—or the worst? How about weekend racers or those who just want to experience the open road—on a track—at 100 miles per hour.

An Unexpected UseAccording to most car insurance companies, they're the worst drivers. Or at least, the crashes are the worst and that's the reason your personal car insurance policy will not provide coverage at high-performance driving schools or race tracks. Participating in "track days" with your own car is simply too risky a practice, according to most auto insurance companies, because it's rare that the accidents are minor. In fact, a high-speed crash will usually result in a total loss of the car. Driving well above the street-legal speed limit was simply not what your insurance company expected when you said you drive your car "primarily for pleasure"—and your rates are based on expected driving—not racing. Any technology installed in your vehicle to track mileage-based insurance may also take into account not only your speed but any sharp acceleration and braking, which would very quickly uncover any secret street racing you might be enjoying in your spare time!

To Race or not to RaceIn the past, most car insurance policies would not cover damage that resulted from drag-racing, organized racing or a timed event. But high-performance driving schools often do not time the runs and they marketed their events as driver's training—not racing. So, those events would technically have been covered by your car insurance policy. However, in the last few years, most auto insurance companies started to exclude coverage for driving at any site that's designed for racing, whether or not the events are timed, which leaves even these safety-oriented driving school opportunities at the side of the road. Drivers who had been racing for years using their own cars are now facing a dilema—leave their car at home or take a chance that nothing will happen. To minimize their potential losses, some drivers have even stepped down from racing an expensive sports cars to a driving a "beater."

Coverage OptionsSince car insurance policies vary by state, there may be states where coverage is still available on your own policy, but it's wise to check with your company first. Many tracks offer single event coverage or a policy that will cover multiple events during a year. An agent or company that specializes in auto insurance for race events can provide you with quotes before you schedule a track day or enroll in a driving school.

Car Insurance Terms

2008-11-18T19:57:00.000-08:00

Are you interested in learning more about your car insurance? You should not just throw your money at car insurance without reading more about it. That is not only a waste of money but a waste of your time. The following is some help in learning some car insurance terms that you might come in contact with. The more you know about these terms the better it will be for you. Even if you have heard these terms before it is still good to get a refresher on them. Hopefully you can learn more and really take advantage of these tips.

High Risk Driver
This is something that you do not want to be labeled with auto insurance. This means that you have a lot of tickets and/or accidents to your name. This will also mean that you will be charged more by the insurance company. They never like to lose money, and if you are a risk of costing them money then that will be worse for you. Do not be a high risk!

Collision Insurance
This is something that every auto insurance policy will have. If you collide with another car then you will need some insurance help. This piece gives you that help. Your insurance and the other driver’s insurance will be in contact and they will figure out whose fault it is. When that is decide your collision insurance will figure out who owes what.

PIP
PIP stands for personal injury protection. Sometimes people who get in an accident will lose money as a result of those injuries. Lost income from work, medical expenses, and other charges will be covered by PIP. Money will also be returned to you if this happens. It is just another way of protecting yourself at such a serious and important time.

Comprehensive
It is not a rule that your car has to get in an accident with another car. Sometimes there are accidents that happen with some items, such as trees, walls, fences, etc. Comprehensive will make sure that your car is covered just in case an accident like this might occur. This will most likely require a deductible that you will have to pay so be prepared for that.

Tips on Saving Money on Car Insurance

2008-11-18T19:55:00.000-08:00

Is saving money in your life a priority? This is something that you need to do and you need to make sure that you carry over to all parts of your lifestyle. This includes auto insurance. Your auto insurance must not be a waste of time in your life because that means that it could be a waste of money. The following are some tips that will allow you to start saving money on car insurance whenever you feel like you are ready. Take your time though, because rushing through this process will not end in a good result for you. This is your process so make sure that everything will begin to work like you want it to.

Good Health Insurance Means Minimal Auto Insurance
One thing that is good about health insurance is that it will benefit you if you get in a crash. This means that you do not have to have a lot of auto insurance that will do that for you. If your health insurance is top notch then you might be able to save money by only getting the minimal auto insurance needed. You do not want to double up on insurances because it will not help and it will only cost you money. Take your time and see how both your health and auto insurance work together. This could be an easy step to save you money right away. This is a great way to act responsible with all your financial information.

Do You Really Need Roadside Assistance?
A lot of auto insurance agents will tell you about roadside assistance. It will sound great and it sounds like something you definitely need. To have someone come out to wherever you are and help you with your car will save you money. How many times do you plan on using this a year? Is it worth it to spend the extra money to maybe use it a couple of times? A lot of people are deciding that it is not. Even something like $5 a month could add up over the course of the year. Just because it is offered to you does not mean that you need it. This is something that a cell phone can be really helpful with.

Low Mileage Carpool Discounts
If you are in a carpool and you do not drive your car around a lot then you need to let your auto insurance agent know that. You could be in line for a carpool discount that is a great reward. If you do not drive a lot then why should you have to pay the same as someone who does? Take a look and see if this is a possibility because it could also be a great influence to drive carpooling. Use all factors you can to your advantage when getting auto insurance. It is something you need, but it is also something you need to get a discount on.

safety

2008-11-18T19:37:00.000-08:00

There are three main statistics to which automobile safety can be compared:
Deaths per billion journeys
Bus: 4.3 Rail: 20 Van: 20 Car: 40 Foot: 40 Water: 90 Air: 117 Bicycle: 170 Motorcycle: 1640

Deaths per billion hours
Bus: 11.1 Rail: 30 Air: 30.8 Water: 50 Van: 60 Car: 130 Foot: 220 Bicycle: 550 Motorcycle: 4840

Deaths per billion kilometres
Air: 0.05 Bus: 0.4 Rail: 0.6 Van: 1.2 Water: 2.6 Car: 3.1 Bicycle: 44.6 Foot: 54.2 Motorcycle: 108.9

While road traffic injuries represent the leading cause in worldwide injury-related deaths, their popularity undermines this statistic.
Mary Ward became one of the first documented automobile fatalities in 1869 in Parsonstown, Ireland and Henry Bliss one of the United States' first pedestrian automobile casualties in 1899 in New York. There are now standard tests for safety in new automobiles, like the EuroNCAP and the US NCAP tests, as well as insurance-backed IIHS tests.