Automotive Insurance Cards – Why You Must Have One

Automotive insurance cards are proof that you have auto insurance. This is given by the insurance company where you insured your car. This is a mandatory, by law to bring this with you whenever you drive your car. In the case where you violate any traffic rule, most of the traffic enforcers will ask about your automotive insurance card.Usually when you purchase insurance, the company will issue you a card. Or, even if you renew your auto insurance, the card will be sent to you by the insurance company. In your renewal registration application affirms your signature and noted that you are properly insured throughout the registration period.This is not in one state only but most of the states required anyone who drives a car should keep a proof of insurance by means of insurance card, either keep it in the glove compartment or wallet all times. Disobeying the law by not bring this insurance card could face penalties or even loss of your license.Take note, insurance cards can be fake or imitate by some people so one must be careful. The insurance cards are not the same with other insurance and that depends on what state you belong. In the insurance cards, it stated the policyholder’s name, the year, car model and the car or auto identification number and as well as the expiration of the auto insurance.Actually this card is presented when you have an accident, when police stop you which is part of their proactively to be sure that you are ensured. Usually the card is often what they ask as proof that your auto is insured. If ever you cannot present it, they give you ticket as uninsured motorist.Complying with the law can have peace of mind. Actually this is for the good of the driver and the passengers as well. This is for the safety of the driver and the passenger since accident does occur without your knowing.Here are the penalties for not having your card:* Fines* Get your license or revoked the registration* Might be in jailThe reason why your card is helpful it is because if ever you meet an accident, it is easy to access to your insurance or in order to exchange information with the other parties involved in the accident and if ever you were stop by traffic enforcer due to over speeding, there is no hassle or fines since you have proof that your car or vehicle is insured due to the insurance card you have.Since there are many people driving on the road each day and hundreds of car on the road, everyday there is an accident occurs on the road. So, in order to recognize people with insurance, the law required them to have the card with them when they drive. Although there are people who don’t have one and what they got is a fake card which is punishable by law in bringing fake insurance card while driving.Remember that when you are found having fake cards for auto, you can face felony charges and that might be steep fines, short term jail and suspension of your driver licensed. So why go for fake cards if you can find cheaper automotive insurance which can issue you a legal insurance card.

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Automotive Dealership Compliance: Disaster Scenario

The commotion in your service department sends a shockwave throughout your dealership, and you, the dealer, arrive just in time to witness one of your service techs being handcuffed across the hood of a vehicle in for service.Your tech has been accused of stealing the checking account number from an old checkbook register in a service customer’s glove compartment, and then draining the customer’s account.So what are the boundaries of an automotive dealer’s liability because of your rogue employee? Compliance certainly can’t be an issue because your DMS representative and even your garage liability carrier have assured you that with their particular compliance solutions, you are totally compliant.However, the victim’s attorney, the law firm of Dewey, Cheatum & Howe, later requests a copy of your dealership’s Gramm-Leach-Bliley Safeguards Rule Policy and documentation of total staff training (have your service people been trained?) as required by federal regulations. You contact your trusted DMS and garage liability representatives for their help to furnish the documents, only to discover there are none! When they assured you that you were compliant, it turns out they meant you were only compliant with scans for the Red Flags Rule, OFAC and Do Not Call, or in other words, only a small portion of required automotive dealership compliance.Although the Safeguards Rule does not provide for identity theft victims to directly recover losses and damages, rest assured the victim’s attorney with use your “willful non-compliance” to force a huge settlement, or use it as the highlight of their opening statement to the jury in litigation against you… and you know how juries just love car dealers. And need we mention the potential for class actions with some regulations?But it only gets worse. Now the feds are investigating and are looking for what they term, “an atmosphere of compliance”, and they also demand to see the same documentation of compliance performance as requested by the victim’s counsel. So what is your liability with the federal government? The fine is $11,000 per day, retroactive from May 23, 2003!!! In other words, tens of millions if they so choose.Oh, and in case you didn’t know, there is no such thing as “fine insurance” provided by your garage liability carrier; they’ll represent you, but you’re on your own when it comes to paying the fines and penalties.Automotive Dealerships – Creating And Maintaining An “Atmosphere Of Compliance”.So what about the other federal regulations such as the Red Flags Rule, The Do Not Call Act, and the Patriot Act’s OFAC, and FINCEN regulations? They, too, require that dealers have in place a formal written Policy and documentation of formal staff training for each.And then there are other dealership compliance regulations where the lack of staff training has cost dealers hundreds of millions over just the past few years; Truth In Lending fraud issues, Sexual Harassment, Diversity issues and the Magnuson-Moss Warranty Act. Here are some examples:- An automotive dealer loses $92 million in a jury verdict because a salesperson said just one thing wrong regarding the Magnuson-Moss’s “warranty of fitness for a particular purpose”.- A dealer is forced to settle a diversity harassment claim for $400,000.00.- Several dealers, managers and salespersons across the country served prison terms for fraud and Truth In Lending violations.- A car dealer settles a sex-and-age discrimination case for over $1.5 million.In each instance, there was no evidence the automotive dealer was promoting an atmosphere of compliance… specifically, no formal dealership compliance training.So how can automotive dealers create and maintain an atmosphere of compliance?1. Appoint a Dealership Program Coordinator to oversee your dealership’s compliance performance.2. Have in place all required Dealership Compliance Policies signed by employees.3. Provide all designated staff training at least once a year with documentation available for government inspection or litigation actions. (Note: Simply allowing staff members to read and sign your required dealership Policies IS NOT considered training under these regulations.)4. Provide all compliance training and required signed Policies as a part of your hiring process complete with documentation.5. Perform annual compliance inspections and audits annually, once again, with documentation on file.The Question: “Did the dealer do everything within reason to prevent this violation from occurring, and if so, where is the proof?”Virtually all automotive dealership compliance fines, penalties, litigation or arbitration decisions revolve around this single question.In fact, any attorney worth their pinstripes will tell you that the only true dealership compliance litigation defense is to be able to provide documentation of compliance performance – again, specifically, staff training.Lawmakers understand that you, the dealer, can’t possibly watch every move each of your employees make while conducting business, but they do give you the opportunity to perform dealership compliance elements in order to mitigate liability, or even in some instances, to benefit from safe harbor status.Therefore, in the eyes of the law, any dealer that chooses to ignore required compliance performance has no respect for the consequences, and generally, the juries and the feds use that opportunity to pile it on.There is only one way to get the “compliance monkey” off your back? Take care of it right now!

Automotive Rapid Prototyping Fail First Paradox

New product development and innovation is much more difficult and time consuming than most other business activities. Automotive rapid prototyping greatly enhances learning speed and reduces the risk of new automotive parts development.Historically, the automotive industry has been using rapid prototyping as an important tool in the automotive parts design process. The extremely fast-paced automotive design cycles require an extremely fast prototyping system which can produce car parts fast and inexpensively.The main objective of automotive prototyping is to learn quickly: how a new automotive product behaves in its natural working environment, before transferring the prototype to the production line. Many times, mistakes are learned only after a new automotive part is launched. This is the main explanation for poor automotive parts design, from product mismatch, poor engineering and function or finish, and overpriced production. In order to accelerate the learning curve, before these costly automotive prototyping mistakes are made, one must accelerate and facilitate feedback loops from tests in the lab and market trials.Automotive Manufacturing TechnologiesWorking with an assortment of rapid prototyping equipment, automotive prototyping engineers utilize the most advanced 3D printers, in their quest for perfect form, function and utility. Working in advanced manufacturing centers, the automotive engineers use the technology to verify what they are doing, and, equally important, to save tremendous amounts of time, and money.Automotive Rapid Prototyping Compresses Development TimeThe advantages of 3D rapid prototyping model creation versus viewing a cad/cam model on a computer screen is palpable. Automotive parts engineers get together discuss the pros and cons of a rapidly produced automotive parts model and discuss the pros and cons of the design, as they pass it around, twisting and viewing the prototype, and decide if that is what they had in mind. This way, problems get solved up front, before going to the assembly line! Once determined that the automotive prototype design is a go, the model can then be sent to a die maker.Automotive Prototyping and the Die Maker ProcessThe die maker cannot use model to make the die, but because they have it in their hand and can look at it and feel it, they can determine where the parting lines will be and exactly how much steel they will need to produce it. The timing of the die process is greatly compressed.Examples of Automotive Rapid Prototyping Parts· Engine castings and parts· Car Engine parts· Auto Mechanical parts· Car Dashboards· Car Handles and Knobs· Auto Body Components· Car Trim partsFail first Paradox in Automotive Rapid PrototypingThe automotive rapid prototyping paradox is to fail earlier rather than later. By failing earlier, the design engineers surprisingly succeed in accelerating the project; this greatly reduces development cost risk. By considering all automotive prototype failures as learning experiments, the engineer has much less stress, knowing that they are practicing the old adage, that success comes from ninety-nine percent failure and introspection.