Beware When Selecting a Body Shop

Body Shop

Since there are several choices, how does a person go about choosing a body shop? Well, since those involved in an auto accident will be speaking with their insurance company representative, in many instances they are going to patronize the shop advised by their insurance agent.

Insurance agents are quick to suggest an auto body shop when a customer is in need of vehicle repairs resulting from an automobile accident. However, it could turn out very badly for the client if he takes his car to the shop his insurance company representative has advised. Let me explain:

When your insurance company representative steers you toward a repair shop, it’s going to be a shop within his company’s “direct repair program.” The program consists of an agreement between the insurance firm and the repair shop. Under the agreement, the shop must repair the cars of customers sent by the insurance firm. In turn, the insurance carrier must point their clients to the member body shop.

Additionally, the auto body repair shop must estimate the price of vehicle repairs using aftermarket car parts.

But there’s still more Best Auto Body Shop in St. Louis– should a lawsuit result because of substandard vehicle repairs, the body shop is under agreement to indemnify the insurance firm and bear liability.

But you may be thinking “So why would I care if the body shop fixes my car using aftermarket parts?” Just what does that mean to me?” The answer is “LOTS!”

Aftermarket car parts, otherwise known as replacement crash, salvage, or rebuilt parts, are auto parts that are created by a company other than the original maker or vendor. 

They are typically produced in Best Auto Body Shop in St. Louis

They are less high-priced compared with the parts manufactured by the car maker (to the delight of your insurer) and using them means your insurance carrier will have to pay out less in claims. But regrettably, this is a case of “you get what you pay for” as the aftermarket car parts are frequently of lesser quality. They are more inclined to fail, resulting in added repair work being needed, and in a worst case scenario, can mean that the “fixed” car is dangerous to drive!

Given that there are legal issues involved if auto repairs are done in a substandard manner, for what possible reason would a body shop willingly enter into the insurance company’s direct repair program to start with? The answer is simple: they don’t want to be forced out of business! Because it’s a matter of the survival of their business. After all, if the vast majority of body work is sent by insurance representative referrals, what does that mean for those repair shops who won’t “sign on the dotted line”?

Suppose you need repairs and choose to patronize a body shop outside the company’s “network”? Your insurance firm may well play “dirty tricks” to convince you that you made the wrong choice. Perhaps they will hesitate at paying for repairs – or maybe drag their feet about sending out an adjuster to check out your vehicle.

Does this result in a hassle for you? Sure. But it’s well worth it when the only other choice is to go to their “preferred” body shop and have to endure the potential results.

In conclusion, when you’re in need of an auto body shop, know your rights! If the shop your agent recommends is using aftermarket auto parts, find another shop. And if your insurance representative says “They won’t agree with our appraiser”, “We can’t work with that shop”, or “We won’t guarantee the repair when you go there” be aware that these and other similar statements are misleading at best, and at worst, outright falsehoods!

Best fishing kayak under 1000 – Which Life Vests Are Best for Kayak Fishing?

Best fishing kayak under 1000

Let’s talk about safety for a minute – I know, it is not nearly as exciting as discussing the kayak or the fish… but it is essential to consider your fishing life vest – also called a personal flotation device (or PFD). Life vests are essential for all water sports. It is a mistake to think that because you may be a good swimmer, only fishing is calm water or just wading, that one is not needed for kayak fishing. However the properly selected and fitted fishing vest could keep you from becoming bait yourself. We get a number of inquiries from friends and fellow kayakers asking which is the proper fishing vest and what to consider when purchasing a vest used for kayak fishing. The various ranking systems and items can be confusing – so what do you really need and what is the safest? There are several different types of flotation devices that come with different US Coast Guard (USCG) classifications. We list some of the things to consider when selecting a fishing vest that is best for your particular use.

 

  1. Make sure your life jacket or any fishing life vest is certified by the United States Coast Guard.

 

  1. Review the life jacket’s classification. Life vests- including those for kayak fishing, are classified as Type I, II, or III

 

  •  Type I: are considered offshore life jackets and provide the most buoyancy. These are designed to turn most unconscious wearers to a face up position in the water.

 

  • Type II: classified as near-shore buoyant vests

 

  • Type III: classified as flotation aids- they offer the same minimum buoyancy as Type II but more comfortable to wear as they are not designed to turn the wearer over in the water.

 

  1. Base your fishing vest selection on the type of kayak fishing you will be doing. If you believe you will be further from shore, encountering turbulent waters or challenging conditions, then you will want the Type I. If you will be closer to shore and in calmer water than an II or III could be adequate. The fishing vests we have reviewed as being favored for kayak fishing are in the later class and are intended for kayak fishing. If more extreme conditions are going to be encountered, we recommend a vest that is classified as Type I, which can be purchased at better sporting stores.

 

  1. Select the vest that is correct for your size and weight-        

Best fishing kayak under 1000 and most manufacturers indicate the recommended weight range for their vest sizes. Select a life jacket that has straps and riggings to fit you personally and comfortably. When fitting the vest, you should wear the clothing that you anticipate wearing with the vest- whether it be a bulky layer or a swimsuit. The jacket should fit snugly and not move freely or chafe when you are in motion. If you take out that fishing kayak in different seasons, make sure to readjust the fit to accommodate the clothing you will be wearing.

 

  1. Decide on which extra features are important to you in a life vest. 

 

We recommend Best fishing kayak under 1000 whose materials are designed 

 

  1. Try the vest out in shallow water or a pool to make sure it is fitted properly and in proper working order. The vest should provide the buoyancy you need without riding up, slipping over your head or becoming cumbersome if arm movements are needed. Always make sure that every person in your party has their own properly fitted fishing vest or flotation device.

 

After reviewing a number of fishing vests for kayak fishing, here are those that received the highest rankings from our readers and respondents:

 

Extrasport Osprey Canoe/Kayak Rafting Fishing Personal Flotation Device/Life Jacket

Reader Rating: 4:5

A comfortable PFD that you will not even know it is on. The thin lower back section is designed especially for kayak seat backs preventing it from riding up while fishing and paddling. This model is easily adjusted for secure and comfortable fit by adjustable mesh shoulder straps. Equipped with 7 expandable pockets which hold gear for those items you want close at hand and the shell casing holder and the camouflage pattern makes this a great option for duck hunting as well.

 

NRS Chinook Mesh Back Fishing PFD

Reader Rating: 5:5

Stellar review ratings for this Fishing PFD. The nylon and mesh back allow for comfortable sitting in the kayak with no bulkiness or vest riding up. The 8-point adjustment system accommodates an amazing variety of shapes. Many reviewers (especially those who indicated that they were a bit heavier) claimed this was the most easily adjusted and comfortable vest on the market. The 8 pockets allow you to keep all your gear at hand. The NRS Chinook Mesh Back Fishing PFD was hands down our reader survey favorite.

 

Winning Edge Deluxe Fishing Life Vest

Reader Rating: 4.6:5

Though the manufacturer has you order by chest size rather than height and weight, this caused some confusion and had some readers order the wrong size. But all readers felt this was a fantastic vest and, for the price, is a leader in this category. The adjustments were ample enough to oblige most and the pocket configuration was a favorite among anglers.

 

Stearns Hybrid Fishing/Paddle Vest

Reader Rating: 4.7:5

The fold down fly bench and the work tray made this a favorite vest among respondents. The open shoulder areas allow for a wide range of motion when fly casting. The adjustments allow the universal sizing to fit most and the back allows for comfortable sitting in a kayak without the vest riding up.