How Does Extreme Heat Affect My Car?

Living in sunny Mesa, AZ will give you a break from the cold weather, but it also brings the extreme temperatures for part of the year. It’s good to know how the extreme heat can affect your vehicle so you can manage the effects because extreme temperatures take a toll on any vehicle. Here are some items to look out for:

  • High temperatures can cause dry rot in your tires because the rubber begins to dry out.  It can also cause an increase in air tire pressure, which makes the tire run on less surface area and wears out the center of the tire faster than the edges.  Monitor the air pressure to avoid uneven wear.
  • UV light causes damage to the interior of the car. The dashboard can fade, and direct sunlight can damage a touch screen over time. It’s best to park in the shade, but when you’re not able to, use a windshield sun shade.
  • The summer heat can evaporate the water in your battery, which it needs to run properly. If the water evaporates, it will expose the lead plates in the battery causing it to have serious issues. Monitor the battery or have it serviced regularly in the high-heat months.
  • Extreme heat can cause stress to many areas of the car. From the different fluids, it needs to run all the way down to the windshield-wiper blades. Check fluid levels regularly and keep your engine clean because it will run cooler.

Lifetime Investments

Lifetime Investments is an Arizona-based independent agency providing insurance in the Mesa, AZ area.  Contact an experienced and friendly Lifetime agent today, and we will help you save time and money shopping around for the best insurance policy or package to fit your unique needs.

Equipment in Transit: Who is Liable for Damage?

Whether you are purchasing a new piece of equipment, returning it at the end of a lease, or selling it to a customer, it is important to determine who will be liable should damage occur in transit.  Accidents can happen on the road as well as while the equipment is being loaded or unloaded. Lifetime Investments in Mesa, AZ knows how a damaged piece of equipment can result in a significant loss to a company if not adequately insured.  

Who is Responsible if a Piece of Equipment is Damaged in Transit?

The responsibility of damage will typically fall on either the company handling the transit or the company that holds to title to the piece of equipment.

Shipping Company

Some shipping will ask for a value of the equipment that you are shipping.  They will include a fee to insure up to the amount you complete on the bill of lading.  If the equipment is damaged while in transit due to traffic accident or theft, the company will cover you up to the amount you are insured.  If the freight company does not include coverage in their price, they will ask you to provide a certificate of coverage.  For companies such as UPS and FedEx, they only include up to $100 of coverage unless you insure it for an additional value for an added expense.

Title Holder

If your freight company does not provide insurance coverage, the cost for damage will fall to the title holder at the time that the piece of equipment becomes damaged.  This should be established before shipping so that the company who owns it can be sure to have proper coverage on it.  

For example, if you are returning a leased piece of equipment and your lease does not end until the equipment is received, the leasing company is the title owner, and you are just the lessee so their insurance would typically cover the piece unless your contract specifies otherwise.  If you sell a piece of equipment and you have accepted payment and transferred the title to the new owner, you will want to make sure that they have coverage in place on it before it is shipped.

If you want to know whether or not your equipment will be properly covered in transit or to find out more about equipment coverage, contact the skilled agents at Lifetime Investments in Mesa, AZ today for more information or to get a commercial business quote.