It is real, keep in mind that it only covers repairs for a wreck, not if your car breaks down. The better question to ask would be is it worth it?
My logic is simple but not for everyone.
Background logic point #1:
- Only insure what you can't afford to replace; and even then, realize that it will cost, on average, in the aggregate, more to insure, than the damage that will occur (otherwise, insurance companies would be out of business).
Background logic point #2:
- Unless you know something the insurance company doesn't know, in the aggregate, they know better than you do what 'will' happen to you, statistically; so they have priced that into their tables (see point #1 which is they plan on staying in business).
With those key tenets in mind, here's my logic (using generic figures):
Let's say the cars you buy cost roughly $30K dollars, 2 years old, still under warranty (which is your habit, let's say).
Let's say you drive from age 20 to age 80 (i.e., 60 years driving life).
Over that driving life, let's say your 'collision & comp' averages, oh, in NJ, about $1,000/year; in California, about half that.
How much money is that?
NJ = $60K, CA = $30K
That's one or two complete cars paid for depending on your local costs for insurance (which is the key figure as cars are about the same price, roughly, everywhere).
In actuality, it's even more than that because the insurance company was only gonna give you $30K for the car on the first day; every day after that, it dropped in value while repair costs don't generally drop a whole lot in value. But, let's skip that, for now.
Now, let's play insurance actuary for a moment.
You know YOUR driving habits; you know what YOUR neighborhood is like (e.g., theft), you know how YOUR kids drive; you know whether you drive drunk, or whether you drive many thousands of miles, etc.
So, how many cars do YOU think YOU will total in your lifetime that will be 100% your fault?
Hint: How many cars have you totaled so far?
Note: If it's someone else's fault, then you don't count it.
Let's assume, for argument's sake, you'll completely total two cars, all by your own fault (or by theft or acts of God and the like).
If you lived in NJ, you break even only after you completely total at least two cars (remember, it has to be your fault or theft-like circumstances)!
So, in NJ, you have to total more than two cars, just to get past the break-even point.
In California, the numbers are half that.
You would reach the break-even point when you total the first car.
Here's my summary:
As long as you can afford to replace the "object", it's generally not worth insuring because (and only because) the insurance company knows better than you do what your costs will be and they've priced that into your premium.
Moral of the story:
Calculate, over your lifetime, how much collision & comp costs you
Estimate, over your lifetime, how many cars you'll total
If the costs are appreciably greater than the number of cars you'll total, insurance isn't worth it (if you have the cash). Otherwise, get the insurance.
if its coolant and not condensation, then it probably means your head gasket is bad or head cracked and coolant is seeping into your combustion chamber. once the engine is running and gets hot it will evap the liquid so it will appear that it has stopped coming from your exhaust. and yes it is bad for your engine. also it could cause overheating
Yes, very well have more problems, with ign off as he claims could use this to hid compression problems and timing chain issues, freeze plugs could hide head gaskets or other things that make it overheat. But he could be shooting straight, most times people selling cars don't.
Changing a head gasket is very complex task and is a bit more than an average "do-it-yourselfer" can handle. As you can see from the first guy that answered your question, special tools and expertise are required. I have seen many cars for sale online where someone attempted to replace a head or a gasket and realized They were in over their head (no pun intended) and were just trying to sell it with the motor torn apart just to get it out of their yard. I do not intend for this to sound snooty, bit if you are asking in a discussion forum how to replace a head gasket, you probably should not be trying it. Good luck to you if you do....
Power wash engine and go to any quicky lube pitt. Once on the "PIT" any leak can be found! perhaps water pump, or external gasket leak! Obivouslyl NO ONE can see your car from here! Check it quicky before something BAD happens GOOD LUCK!!
Low-cost and Audi don't go together. Here are some shops previously suggested by Audi and VW owners on the Internet:
Tony's Auto Repair
9720 Atlantic Ave
South Gate, CA 90280
Troy's VW and Audi Repair
11101 Ventura Blvd
Studio City, CA 91604-3134
There are also people who have had problems at some of these shops.