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  • How Tires Can 'Spare' Lives | DGI Direct
    of speed by a driver not expecting a car to be in their travel path Simply by keeping the wheels straight rather than cocked to the left can be the difference between a minor fender bender and a substantial crash that sends someone to the hospital or worse Tire pressure monitoring systems increasingly becoming standard Another way in which tires save lives is by being monitored through the use of tire pressure monitoring systems Wheels ca contributor John Mahler recently noted that seven out of 10 cars sold in Canada and just about all vehicles sold in the U S have TPMS Basically these systems alert the motorist about when it s time to think about replacing them The light or an alarm will signal typically after between 140 000 and 160 000 kilometers have been traveled Mahler noted that cynics might think that this type of warning is nothing more than a clever marketing tool the automotive industry uses in order to get drivers to spend more on a car claiming that their safety is at risk if they don t In reality though Mahler contends that these alerts have their utility That s because as a tire gets older the pressure tends to weaken more readily And the more quickly that air escapes the less capable tires become unable to grip the road effectively when braking or taking a turn at a sharp corner Additionally under inflated tires leads to more rapid aging An 8 percent pressure drop can shorten the average tire s life by 15 000 km Maher wrote And under inflation of just 5 percent increases fuel use by 1 percent He added that nearly half of the cars currently on the road in Canada have at least one tire over or under inflated by

    Original URL path: http://dgidirect.ca/auto-insurance-articles/tires-can-spare-lives/ (2016-05-01)
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  • MADD Canada Launches Anti-Drunk Driving Film "Impact" | DGI Direct
    highways wherein alcohol was the main reason for the crash The aim of the program is to inform both students and their parents of these sobering statistics so that needless accidents injuries and fatalities don t occur Another component of the presentation involves stories based on real life events as told by the family members of young people who died For instance one involves a 17 year old girl named Caroline Fortier who was killed after someone she barely knew was drunk and driving a car she was a passenger in A separate incident recounts where a 17 year old boy Nicholas Antonelli was killed by a drunk driver only he died after being hit while walking home Both Antonelli and Fortier were at the same party We are incredibly grateful to the families of these victims for sharing their stories said Denise Dubyk president of MADD Canada It is a very difficult thing to do but their experiences will encourage young people to make the commitments to always drive sober and to never ride with an impaired driver Alcohol related crash rate remains elevated According to a 2011 report conducted by Statistics Canada a substantial number of accidents requiring auto insurance coverage typically because of injuries sustained involve drunken driving For example two years ago there were nearly 90 300 impaired driving incidents up 3 000 from 2010 That equates to about 262 drunk driving episodes for every 100 000 people Any driver whose blood alcohol content level is above 0 08 mg for every 100 ml of blood is on the road illegally Based on data provided by the Uniform Crime Reporting survey the average blood alcohol concentration for those convicted of drunk driving in 2010 was more than two times above the legal limit Among individual provinces

    Original URL path: http://dgidirect.ca/auto-insurance-articles/madd-canada-launches-new-anti-drunk-driving-campaign/ (2016-05-01)
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  • Ontario First Province to Offer License Renewal Online | DGI Direct
    days they will be mailed a hard copy of their license as well as any other vehicle products that they bought such as license plate stickers Customers have expressed a desire for more choice in how they access services and the online driver s license renewal is an example of providing this choice Hasse said At least in the short term however government officials and Service Ontario don t expect many people will take advantage of the new online offering Hasse told the Windsor Star that in the first year only about 5 to 15 percent of the province s drivers will renew via the web The vast majority will still go about the process the traditional way In 2012 alone Service Ontario processed 1 6 million license renewal requests However there are some eligibility standards that have to be satisfied The government stated that not only must motorists be in good standing such as not having any unpaid parking tickets or traffic citations but they also must be under 79 years of age Additionally 10 years after their first renewal the subsequent one must be done in person At the beginning of September fees associated with driver s license renewals rose higher In order to renew whether online or in person drivers must pay 80 up from 75 Driver s license tests also increased in price rising to 10 from 5 Meanwhile license validation fees also increased but to varying degrees depending on where people live For example in Southern Ontario it s up to 90 from 82 but in the north it s 45 from 41 the Windsor Star pointed out Online services is only the latest example of what people can now do from the comfort of their own home whether on their mobile tablet smartphone or

    Original URL path: http://dgidirect.ca/auto-insurance-articles/ontario-becomes-first-province-to-offer-license-renewal-online/ (2016-05-01)
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  • IBC Says Auto Theft is a $600 Million Industry | DGI Direct
    complexity of the issue the fight against vehicle theft requires the cooperation and involvement of many partners like PATNET The insurance industry and law enforcement are committed to working together to stay ahead of these criminals The training sessions are multifaceted but they re aimed to provide provincial authorities with the tools they need to positively identify vehicles that are stolen as well as how they can lawfully pull over a motorist who is driving a vehicle that is suspected to have been illegally obtained Mark Mander chief of police for the Kentville Police Service in Nova Scotia indicated that the PATNET program should give law enforcement officials the best practices and training available so that cars aren t successfully purloined by thieves Where consumers can turn for additional information on auto theft There are a variety of resources that consumers can turn to in order to fight back against automotive theft besides relying on their auto insurance coverage For example vehicle history report company CarProof has been operating for 13 years now headquartered in London Ont Both consumers and businesses can get details on the background of previously owned vehicles that they re considering by entering a car s Vehicle Identification Number It then produces a report that gives background on where the car has been in the past and if it was ever reported stolen Just about every transportation governmental authority has resources for consumers to use as well including Department of Justice Canada Insurance Crime Prevention Transport Canada National Crime Prevention Center Canadian Crime Stoppers Association Coalition Against Insurance Fraud and the Canadian Council of Motor Transport Administrators At the end of each year the IBC produces a report detailing that year s most stolen vehicles The list for 2013 won t be released until mid December

    Original URL path: http://dgidirect.ca/auto-insurance-articles/ibc-auto-theft-is-a-600-million-industry/ (2016-05-01)
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  • How to Replace Your Serpentine Belt - DGI Direct
    it replaced One size does not fit all Depending on the age and model of your car the length of the serpentine belt can vary Before installing a new serpentine belt into your car be sure you have the correct size for your engine A belt which is too small is likely not going to fit over all of the pullies whereas a belt which is too large runs the risk of falling off or bunching up Release the tension One of the pulleys in the serpentine belt system has a piece called a tensioner This pulley can be loosened and tightened accordingly to help keep the belt on or off all the pulleys Using a ratchet or specialized tool the tensioner can be easily loosened and the worn belt can be removed Tip on older cars the tensioner is usually of a manual variety But newer models are usually equipped with spring loaded belt tensioners Find the serpentine belt diagram Most engines have a pictograph showing the proper configuration of the serpentine belt system This diagram should also show if there are multiple belts or special configurations for car features like your AC Compare the diagram to your engine to get a quick understand of how it should look before you get to work Installing the new belt Run your fingers along the new serpentine belt there should be one grooved side and one smooth side Identify the pullies with grooves as these are the pullies which should be facing the grooved side of the new belt Carefully thread the new belt through the system of pullies according to the serpentine system diagram Tip the belt does not have to be perfectly aligned with the pullies but should be close to avoid slipping off once you run your car

    Original URL path: http://dgidirect.ca/car-tips/how-to-replace-your-serpentine-belt/ (2016-05-01)
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  • A Canadian Winter RV and Road Trip How-to - DGI Direct
    can come profound perspective Plot your route out in advance check the weather forecast book your accommodations and print this information out before you depart Research how long it will take you to get from each point to the next and plan your trip accordingly Here are a few questions to answer in your research What are the must dos or must sees on your list Where do you intend on sleeping How much would you like to spend How much driving are you and your fellow travelers comfortable doing each day As always it s important to practice defensive driving and allot yourself more rest time than you think you need Shave two hours off of how much you think you can drive every day driving for long periods is more draining than you may think 2 Prep Your Ride Before you leave you ll want to feel safe knowing that your vehicle whether it s an RV or a car is in tip top shape Take a look at the following Is your windshield wiper fluid tank full Do you have a spare tank in the trunk Are all of your lights working Are your windshield wipers operating well in wintry conditions Is your battery fully operational Are you up to date on your oil changes Is your roadside assistance membership up to date Do you have a car emergency kit Be sure that your vehicle is road trip ready and don t forget to prepare or re stock your car emergency kit If you own an RV or have decided to rent one for this adventure be sure to bring your insurance papers or if you re renting to purchase RV insurance 3 RVing Recommendations If you re taking a mobile home cross country or even part country make sure you have sufficient non perishable food clothing and warming supplies to tide you over in case your battery dies or there s inclement weather that leaves you stranded To avoid using the heater at night you can use electric blankets or a mini heater to save on energy If you re concerned about your battery draining you may want to think about investing in a solar panel system or an inverter There are plenty of in depth guides available on how to RV in the wintertime specifically these tips from GoRVing ca are a great place to start 4 Plan Some Time Apart Acknowledge you and your traveling buddies need for private time while on the road and book that time in purposefully Perhaps at one stop one person wants to go to the museum while you re eager to scout the national park There s no wrong choice and you don t have to do everything together In fact it ll imbue the ride with excitement when you reconvene and share your different experiences Congratulations on deciding to explore Canada a little more and have an incredible trip Bon voyage Sections Auto Insurance Home Insurance Pet

    Original URL path: http://dgidirect.ca/car-tips/a-canadian-winter-rv-and-road-trip-how-to/ (2016-05-01)
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  • Ontario’s New Crossover Law: What You Need to Know - DGI Direct
    for pedestrian crossing by signs lines or other markings on the surface of the roadway at any location including an intersection Ontario Ministry of Transportation What s more a school crossing is defined as a pedestrian crossing where there is a school crossing guard present and they are displaying a special school crossing stop sign Ontario Ministry of Transportation All drivers must wait until school children school crossing guards and all other pedestrians have fully crossed the road before proceeding What it Means for Drivers So what does this new law mean for drivers on Ontario roads Consider the following points As always drivers must pay special attention to pedestrians at all times especially when they re making a turn In terms of fines drivers that break this new crossing law will be hit with a penalty of anywhere from 150 to 500 This includes offences at all the appropriate crossings pedestrian crossings school crossings and at crosswalks where there are traffic signals What s more offending drivers will be left with 3 demerit points Drivers that run a red light will be hit with an even steeper fine rushing through a red light will put offending drivers back 200 to 1000 These rules apply for cyclists as well as those in a motorized vehicle Around schools public areas and community safety zones clearly marked with signs fines will be doubled Regular crosswalks will not be subject to the same law at a regular crosswalk demarcated by a traffic light or stop sign drivers may proceed when it is safe to do so after all pedestrians have fully passed their vehicles How can Ontario drivers and cyclists avoid breaking this new law and incurring these fines and penalties The following are a helpful safety few things to keep in mind Make sure all pedestrians have completely crossed the street before proceeding As always motorists should drive extra carefully in residential areas school zones or other areas where children frequently play Be patient Give extra time to senior pedestrians that may require more time when crossing the street What it Means for Pedestrians While there are new specific set of rules that pedestrians need to follow basic pedestrian safety practice should always be followed In compliance with this new law pedestrians should also follow a few basic guidelines Before entering a crossover make eye contact with the driver of a vehicle that has stopped for your crossing It s imperative that the driver sees you before you step onto the road and begin crossing so that they can act accordingly Pedestrians should never jaywalk only cross at traffic lights and marked crosswalks What s more those attempting to cross a street should not cross the road between parked cars As always pedestrians should keep safety top of mind It should go without saying that crossing on a red light is never a good idea Wait until traffic has come to a complete stop when crossing at a traffic light and wait

    Original URL path: http://dgidirect.ca/car-tips/ontarios-new-crossover-law/ (2016-05-01)
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  • All About All-Wheel Drive - DGI Direct
    are properly gripping the road so that they can get you moving again The Different Types of Drive Wheels You might be wondering but what about two wheel drive and four wheel drive As opposed to four wheel drive two wheel drive shortened as 2WD only send power to two wheels at a time either the front pair for front wheel drive or FWD or the back pair called rear wheel drive or RWD Most of the cars you see on the road today are front wheel drive vehicles out of all the SUVs you might see driving down the highway the vast majority are equipped with FWD On the other hand sports cars luxury and high performance sedans pickup trucks and older SUVs are the types of vehicles most likely to be equipped with rear wheel drive What about four wheel drive Although the terms four wheel drive and all wheel drive are often used interchangeably they re not the same Unlike all wheel drive four wheel drive shortened as 4WD is not always on you must engage the system for all four wheels to receive power Is AWD Actually Safer You might think that all wheel drive is the safest option out of all of the above this is not necessarily true While all wheel drive does improve traction it doesn t necessarily provide any additional safety when it comes to braking and cornering And while AWD makes it easier to accelerate and stay moving on slippery and snowy roads it doesn t necessarily improve your handling on slick roads What s more it may even give many drivers an over inflated sense of their available traction Many drivers have a false sense of security when driving with AWD or 4WD in slippery and snowy conditions This leads them to drive too fast thinking that their all wheel drive system will help keep them safe in case they need to make a sudden brake The best thing you can do to combat harsh winter driving conditions Winter tires of course Equipping your vehicle with four winter tires is more important than the type of drive wheels it s sporting because winter tires actually help you stop and turn on slick and snow filled roads What You Need to Know After reviewing all of this information you may still be left with the most important question of all which one of these is right for me and my vehicle The best thing you can do to answer this question is consider your own driving needs and circumstances Do you live in a very snowy harsh climate Will you be driving in many off road situations Or would you like to pursue off roading as a hobby In this case four wheel drive is your best option If on the other hand you will only be using your vehicle on regular roads and live in an area that only receives rain and light snow you don t need anything more

    Original URL path: http://dgidirect.ca/car-tips/all-about-all-wheel-drive/ (2016-05-01)
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