How to: Avoid Potholes & Bounce back from Pothole Damage

Potholes.

These are probably some of the more annoying aspects of driving. We all get a little annoyed when we hit a pothole since it makes the ride uncomfortable, usually just for a moment. Here. let’s look at the best way to tackle potholes, and how to recognize pothole damage.

 How do I avoid potholes?

1. Beware of Puddles: Given the fact that we’ve have a lot of rain recently, be wary of puddles. Some puddles usually aren’t  very deep, but be careful- the last thing you want to do is to find out the hard way!

pothole
Try to avoid potholes when driving!

2. Keep your eyes on the road: As we have mentioned earlier, Sri Lanka is a country which has a number of road accidents every year. A contributing factor is texting while driving. When you’re driving, be aware of your surroundings and keep your eyes peeled for potholes.

3. Take care of your tyres and suspension: Tyres are more likely to get damaged when tyre pressure is low. In a similar way, if your shock absorbers are hit badly as a result of a pothole, your undercarriage becomes more vulnerable to damage.

car suspension
With your Car’s suspension, its whats inside that counts

4. Watch your Need for Speed– If the road you are travelling on has obstacles such as parked vehicles, narrow lanes or potholes, don’t speed. The faster you go, the greater the damage onto your car.

5. Hang on: If you can’t stop yourself from hitting a pothole, grip  your steering wheel tightly to ensure that you maintain control of your vehicle. Don’t brake, just let your car absorb the blow.

I tried everything, but I ended up hitting a pothole! Should I be worried?

It depends. If you encounter the following signs of pothole damage you ought to have your vehicle checked.

1. Alignment problems: Instead of going straight, you know you have problems if your vehicle veers too much to the left or the right. Furthermore, if one of your tyres is more worn out than the other, take a look at your vehicle’s alignment.

2. Tyre damage: If you hit a pothole hard, immediately slow down and pullover. Your tyres don’t necessarily have to blowout at the point of impact. Take a look at possible damage on the sidewalls and rims of the tyres. Severe damage could indicate that a blowout is imminent.

dent
Check for damage to your tyres and rims

3. Bumpy  Ride: If you hit a pothole and your car’s suspension system gets adversely affected, expect a bumpy ride. The suspension system is made to make your journey smoother. Hitting potholes harder often means that the shock absorption mechanism gets damaged, so please be careful.

4. Difficulty steering: If you can’t control you car when making turns or even simply going straight ahead, could mean that you have issues with your steering wheel.

steering
If you can’t control your car, you’ve got a problem

5. Problems down under: If there is a scratch on the bottom of your vehicle, it may not be a big deal for some people. However, you ought to take a look underneath to ensure that the undercarriage is OK.

6. Call your motor insurance company: If you have a motor insurance policy with HNB General Insurance, you may be eligible for a payment to cover repair costs. To find out more, call our HNB General Insurance hotline on 0114-883-883.

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Disclaimer: The views shared in this blog are based on the macro economic conditions & industry status quo as per the time of publishing.

5 Ways to get the most of your Motor Insurance Policy

A lot of people ask us how to get the maximum from their motor insurance policy. We put that question to our people and got some interesting insights. Here are 5 ways to get started.

terms & conditions, motor insurance policy, vehicle insurance policy
Go through the details of the policy, its important you understand the policy which YOU pay for

1. Read and be aware of your motor insurance policy conditions:

Yes, we get it. Sometimes, the terms & conditions of the policy are very complicated. However, its necessary to understand them before you sign. You ought to know about the insurance policy which you are paying for. If there are any areas of your insurance policy which you aren’t sure of, contact us-it could help you understand what aspects your insurance policy covers and save you money in the process.

Eg: If your vehicle is 10 years old, your claim could come down by a figure of upto Rs. 10,000.

2. Follow the Steps of the Insurance Claim Process

A lot of customers believe that once an insurance policy is purchased, say on April 2nd 2015, the policy is ‘locked in’ until the end of the agreement. This is simply untrue. However, it becomes necessary for customers to be a little proactive.

For example, if you wanted to replace a new pair of speakers for your vehicle (due to an accident claim), then you ought to produce a price quote to us before buying parts. This ensures that you are not getting ripped off as a customer when purchasing a new device, and also keeps us, the insurer informed about every aspect of your vehicle.

speaker, extras, additional vehicle coverage
At least check and see if you can get this insured?

3. Understand the market value of your vehicle

The Sri Lankan vehicle market changes constantly, meaning that you as customers need to be aware of the latest developments: for example, in July 2014 a hybrid would cost around Rs. 3million, but after the recent introduction of the mini budget by the new government, the new import taxes mean that the vehicle is now valued higher. As a policyholder, it is highly recommended that you contact us and ensure that your vehicle is secured for its appropriate market value

4. Keep your vehicle well maintained

It’s been said before, but please do ensure that your vehicle is well maintained. A key point of insurance is indemnity; this is where we bring the policy holder back to the original state before a motor vehicle accident. You don’t want to be the customer who has a poorly maintained vehicle with worn out brake pads. This is because the insurance firm will need to approve for new brake pads and then YOU (the policyholder), will need to bear the excess cost as you had not maintained your vehicle properly. To get a rough guide about how to maintain your vehicle, click on the picture below:

Auto Mechanic at work
Click on me to get vehicle maintenance tips!

5. Read your Warranty

Ensure that you are aware of your warranty statement. Depending on the amount of coverage which you choose, certain technical failures may not be covered under your insurance policy. However, if your vehicle is still under warranty, the technical issue could be addressed directly with the dealer of the vehicle.

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Disclaimer: The views shared in this blog are based on the macro economic conditions & industry status quo as per the time of publishing.