Ownership Your Corner Wrench: With LED lamps, it may be time to rethink your insurance coverage

20:15  12 may  2018
20:15  12 may  2018 Source:   driving.ca

Your Corner Wrench: What happens when you use the wrong fuel?

  Your Corner Wrench: What happens when you use the wrong fuel? When you pump diesel into your gas-powered car, or vice-versa, prepare your walletSome drivers report their shops simply drained the offensive fuel, refilled the tank with the right blend and sent them on their way. Others will recommend replacing various fuel system and emission-control components such as injectors, pumps, oxygen sensors and catalytic convertors. And, as you might expect, those owners whose wallets got away with light relief sometimes worry about what might happen down the road, as a result of their – or the gas station’s – error.

But when you consider that few factory LED lamps have replaceable bulbs, and when you get a shocker at their replacement prices, you might want to rethink those ultra-high liability insurance deductibles on your ride, if you can.

But when you consider that few factory LED lamps have replaceable bulbs, and when you get a shocker at their replacement prices, you might want to rethink those ultra-high liability insurance deductibles on your ride, if you can.

a pair of black car© Provided by Driving.ca

LED (light emitting diode) lamps for automotive applications seem to be taking off like a wildfire lately with even some of the least expensive econo-boxes sporting this high-tech illumination in one form or another. But when you consider that few factory LED lamps have replaceable bulbs, and when you get a shocker at their replacement prices, you might want to rethink those ultra-high liability insurance deductibles on your ride, if you can.

Video: Why your big kid may still need a booster seat (provided by Consumer Reports)

Your Corner Wrench: Signs your vehicle needs a new battery

  Your Corner Wrench: Signs your vehicle needs a new battery Just because your car won't start doesn't mean the battery is the problemVideo: A paint job you can peel off (provided by Autoblog) Your browser does not support this video require(["binding"], function (binding) { binding("wcVideoPlayer", "#video_player_740a755e-2504-402c-9edf-6ef17824010b").

Your Corner Wrench : With LED lamps , it may be time to rethink your insurance coverage .

Your Corner Wrench : With LED lamps , it may be time to rethink your insurance coverage . Road Test. First Drive: 2018 Rolls-Royce Phantom.

Next to bumper components (fascias, trim, brackets, etc.) lamps are one of the most common categories of auto parts to get damaged in collisions. After all, they’re right out of the corners of almost every model and fairly vulnerable to even the slightest impact. Stop asking why carmakers went this route in the first place. LED lamps take a fraction of the electricity that incandescent bulbs do and this means improved fuel economy (albeit a small improvement). And thanks to the growth of the sight-impaired demographic of our globe, stronger and brighter lights are in high demand.

In addition to all this, few automakers provide LED bulbs as separate replacement parts but only service them in lamp assemblies. The cost of these units can be fairly heavy, running at more than $1,000 per unit in some cases for mainstream vehicles. For example, on FCA’s all-new 2019 Ram Longhorn model truck, there are no bulbs available for either the LED headlamps or tail-lamps, with the former running at more than $1,300 each and the latter costing more than $1,000 each.

Your Corner Wrench: Take care with spring cleaning your car

  Your Corner Wrench: Take care with spring cleaning your car Hosing your car down or using cleaning chemicals may do more harm than goodWater and electronics (or pretty much anything electrical) do not mix. This might seem simple enough, but it happens. Few vehicle owners ever take into consideration what might be hidden beneath floor carpeting before they take a home steam cleaner to some stubborn salt stains. Most automakers run a variety of electrical harnesses and even some computers here and if you absolutely have to use moisture to clean it, use a very small amount.

Your Corner Wrench : With LED lamps , it may be time to rethink your insurance coverage . Road Test. First Drive: 2018 Rolls-Royce Phantom.

Your Corner Wrench : With LED lamps , it may be time to rethink your insurance coverage .

So what’s all this got to do with insurance? Many consumers will try to lower their insurance premiums by opting for a high claim deductible. Carrying a $1,000 deductible is not uncommon. And to avoid premium hikes due to claims history, often drivers will pay out of pocket for vehicle damage rather than going through their insurance company. When you ride is equipped with expensive lights, these practices might not turn out to be money savers.

But collision damage isn’t the only reason to change a lamp. While LED lights do last a lot longer than their incandescent predecessors, they can still fail and liability insurance won’t be of much help. You may want to ask about extended warranty coverage when purchasing a vehicle equipped with LED lamps. Few automakers cover lamps with their extended plans presently, but if enough consumer interest is expressed, and enough shoppers shy away from LEDs due to replacement costs, this may change.

Your Corner Wrench: Let your car breathe .
A dirty air filter reduces performance and can be damaging to your engineIn our parents’ days when carbureted engines were the norm, a dirty air filter really could cause fuel economy to dive. Carburetors had no way of metering the amount of air coming into their throttles, so if they were starved of oxygen due to a dirty filter, they simply kept pumping fuel into the cylinders at the same rate as if the filter was clean. But the resulting combustion was compromised leading to a host of problems such as fouled plugs, misfires, fuel-contaminated oil, and more.

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