VeeshanVault

Cartalas wrote:WOW!! get over yourself, First of all I do think he has made you look like a fountain of misinformation and 2nd of all he didnt need to, you do that job all by yourself.

/waves at the Dumb Bitch

Thanks for re-affirming that I'm right

cadalano wrote:I work at a Retard Processing Center (RPC) in Gainsville and I have to say that my expert opinion is that Cartalas is a class F mongoloidal retardotron

And your a cock gobbling pig fucker, point?

did i upset you

hay cadalano, what's the corky blue book value on a class f mongoloidal retardotron?

that page is covered in drool, he can't tell you.

Sylvus needs to not post with that gay avatar! It's too upsetting for the minority masses.

Sylvus wrote:hay cadalano, what's the corky blue book value on a class f mongoloidal retardotron?

that depends a lot on the condition... just sticking with Cartalas here as a median example- people usually forget the need for a good sturdy football helmet on some of the more 'economical' models, like Cartalas there, and they'll tend to take a little bit of battle damage from being around trees, rocks, furniture with sharp corners, or whatever. All of that is gonna drive the premium down. Also its pretty clear that the original owner fueled this thing with nothing but hotdogs and milk cause the chassis pretty overloaded and theres grease just leaking out everywhere.. I always tell people you gotta stick with what the mfg recommends which is typically fish crackers and ovaltine.

but... shit.. he *does* a tape deck. Maybe you could get someone to piss into your cupped hands as a trade-in?

Sirensa wrote:Sylvus needs to not post with that gay avatar! It's too upsetting for the minority masses.

Does your neck hurt from always looking up at us on our large pedastal of greatness? Go Ducks!

Sirensa wrote:Sylvus needs to not post with that gay avatar! It's too upsetting for the minority masses.

Oh, don't get me wrong, it hurts every molecule of my body to post with this avatar. Thankfully I only have to keep it through next Tuesday.

It may have to go back up another good 10 days in January!

cadalano wrote:did i upset you

Not at all friend

Yes, go ducks.

Drinsic Darkwood wrote:Yes, go ducks.

YES!

I'd like to thank everyone for their input - I've decided to take the money and run. Although I won't be setting the car on fire as Seebs suggested, I'm going to get it fixed as cheaply as possible and not worry about it. Commuter car ftw.

Okay let me make this clear, if Kyoukan died tomorrow I would not mourn it except for the fact that it never had a real life.

But insurance is a scam, companies pull bullshit moves on consumers on a regular basis, whenever 60 Minutes or 20/20 run out of stories they know they can dip into that barrel because it nevers runs empty. Hell John Stossel could dance into the category. Every insurance company works to collect enough to cover any expected losses and then minimize that payout when it comes. Hell in states where their lobbyists have been the most effective (Yeah Michigan!) any accident results in a nofault claim and everyone getting a rate increase, not to mention the bullshit liability standards. No insurance company practices "making people whole" or any other such nonsense, what kind of crack are you people smoking? "Industry types" need to get the puppeteers hand out of your ass and engage your own brain, what, are the using former Soviet or CIA brainwashing techinques on you? You sound like the Wal-mart greeters making minimum wage and being worked 70 hours for 40 hours of pay who parrot the company line. Shareholders want return on investment and that is the real fact.

The US government has done a rotten job of regulating insurance companies because of the sheer amount of raw bribery in the form of campaign funds the industry has available, and those funds come from profits. Not saying I blame the companies, they are playing within the rules of the law, it is the law that is failing.

After NO the LA Times wrote a story about the odd profit levels mantained by the industry, you can read it at http://www.latimes.com/news/nationworld ... -headlines

Check out what the tort reform in Texas has accomplished http://soc.hfac.uh.edu/artman/publish/article_403.shtml

But in this example Kyoukan cannot claim some needed sense of superiority by claiming Canada has done it better, check out the CBC news indepth on Auto insurance http://www.cbc.ca/news/background/insurance/

see what happens when you don't renew the restraining order?

out of curiosity,

isn't it quite possible that people have had very different experiences with their insurance company and thus have gotten very different oppinions of them.

i feel like without telling the other one, they handed some of you an orange and the others apples and you're screaming at the top of your lungs, "it's apples you idiot" answered by "no fucktard, it's oranges, god your stupid"

empathy.... ?
but i'm sure the vv arguements wouldn't be as entertaining if people browsing these forums displayed any hint of it.

Kylere wrote:Hell in states where their lobbyists have been the most effective (Yeah Michigan!) any accident results in a nofault claim and everyone getting a rate increase, not to mention the bullshit liability standards.

Insurance laws in the state of Michigan are some of the most screwed up laws in the country. That's one reason you cannot have a policy in another state (almost any of them) with one vehicle kept in either NJ or MI. The "no-fault" portion you talk about is one that only a few states even have. It supposedly makes resolving your claim easier and keeps payouts lower (since your policy pays only for your injuries) but it doesn't end up working that way due to many factors. Fraud is just one of them, and unfortunately Michigan is one of the states that I have heard of the most fraud in recently, but that is not to say that there is more fraud there than in New York or other places.

Think about the times you have heard someone talk about getting more from their insurance company after a loss. Many times they will joke about how they made a couple hundred/thousand extra, or they will talk about how an injury might not have been as bad as they made it out to be. People doing that help to cause higher rates and lower potential payouts to others who need it. Insurance companies have to keep enough money in reserves to pay out the majority of their potential claims. This is where profits get screwy in this industry. There are no "new" customers for it. They can only forecast how much they "think" they will have to pay out due to different factors. You will probably find many instances where companies that do a lot of business (especially homeowners) along the Gulf Coast made huge "profits." It is not all profit though, as much of that money may be used for future claims.

It's all about what "might" happen with insurance. Add to that the fact that each state requires you carry it in one form or another and you will see the reason for reserves stacking up. Some states allow different things to be used as rating factors, and these change all of the time. If you really want to influence change in your state, start getting in contact with the legislators who make and approve the laws. They are the ones that can make things better. Look at how much has changed in the insurance sector in New Jersey in the last year or two. Companies are finally willing to write there again after many years of staying away due to the stupifying amount of regulations that were in place previously.

Boogahz wrote:The "no-fault" portion you talk about is one that only a few states even have.

I believe it's more than 'only a few'..

Arkansas, Colorado, Connecticut, Delaware, DC, Florida, Georgia, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, NJ, NY, ND, Oregon, Pennsylvania, SC, SD, Texas, Utah, Virginia

Or so says a book I have anyway..

It's pretty sickening how easy it is for corporate america to get people to schill for them.

No-fault insurance is available in almost every state in one manner or another. It's usually referred to as Personal Injury Protection (PIP). It pays for medical bills incurred by yourself or others in your vehicle at the time of the accident regardless of fault. Michigan has a separate no-fault Property Loss coverage which is what I was referring to not being available in many (if any) other states.

kyoukan wrote:It's pretty sickening how easy it is for corporate america to get people to schill for them.

Yeah, damn them for their reasonable rates and promt payouts! FUCK YOU, GEICO!

Florida has no fault insurance as part of their minimum required by law coverage. seems pretty fucking stupid that I was required by law, to pay for insurance 'just in case' some uninsured person fucked up my car, or my person in an accident.

I'm thankful Texas hasn't added that yet, but maybe I shouldn't be, as my mother has been involved in 2 uninsured motorist accidents and got screwed on both of them.

I'm holding my tongue on how I actually feel about the insurance industry...for now anyways.

It's pretty damn close in Texas. The companies are required to offer uninsured/underinsured motorist coverages now (UM/UIM), but you can reject the coverage. Personally, there is no way in hell I would drive around without it here. I think the last numbers were something like 25-30% of drivers (or more) are driving around uninsured in Texas.

When I was at work, I checked my licenses in reference to the number of states with no-fault insurance laws. The reason I said a few was that I am only licensed in three or four of the states that have it.

The figure a couple years ago was 1 in 3, but i'd be willing to bet my entire worth (not much!) that it's gone up since then.


(at least that was the figure reported by D/FW Local News)

Truant wrote:Florida has no fault insurance as part of their minimum required by law coverage. seems pretty fucking stupid that I was required by law, to pay for insurance 'just in case' some uninsured person fucked up my car, or my person in an accident.

That's because you didn't live in Miami. There's so many jackasses driving around in Miami with no insurance. I've been in one accident and while it wasn't my fault, the lady had no insurance. Another time, I was sitting in my parked car in a parking lot when someone backed up right into me - again, no insurance. Luckily, I was required by law to have PIP because I'm fairly certain that I'd be too cheap to get it otherwise and I would've had to have pay for rather extensive damages both times.

how do they not have insurance if its required?

They just drive about hoping they don't get into accidents or get caught.

Pretty much what Nick said. There's no way of regulating who is driving with insurance and who isn't; so if you neither get into an accident nor get pulled over, the authorities will have no way of knowing that you're driving without insurance.

kyoukan wrote:how do they not have insurance if its required?

90% of them are not even suppose to be in the country!! That is why they dont have insurance.

kyoukan wrote:how do they not have insurance if its required?

Many states have no actual reporting that is required of the insurance companies. Some are extremely strict: North Carolina, South Carolina, Georgia, New York, Louisiana, etc.. They have an electronic reporting database which the insurance companies submit basic policy information to. A couple states could care less if you have an ID card with you. If your insurance is not listed in their database, you don't have insurance (in their eyes). Others will actually come to your home or workplace and remove the tags from your car if you don't have insurance. Unfortunately, this is still only in a few states. Some other states have been trying to get something like this started (Texas is one), but the state has to decide what system they want to use which all of the companies can submit information to.

Like what Boog said, here in Georgia, if you let your insurance lapse on your vehicle, they'll either revoke your tags or issue a warrant. I certainly don't mind that, especially since I've seen too many people get hit by idiots without insurance.

masteen wrote:

kyoukan wrote:It's pretty sickening how easy it is for corporate america to get people to schill for them.

Yeah, damn them for their reasonable rates and promt payouts! FUCK YOU, GEICO!

Not to mention the sweet commericals.

Geico sucks

Aslanna wrote:Geico sucks

Whatever. Their adjusters down here issuing checks just days after Wilma flooded us, and not just for blue book values, either. Cars under a year old were issued replacement values. Geico customers had cash in hand 2 weeks afterwards, while most other companies (Progressive, ect.) were still towing cars up to Miami to have them inspected.

Of course, that only applied for people with full coverage. People with PIP still got screwed.

masteen wrote:Of course, that only applied for people with full coverage. People with PIP still got screwed.

How? People with PIP only have no coverage at all on their vehicle.

Boogahz wrote:

masteen wrote:Of course, that only applied for people with full coverage. People with PIP still got screwed.

How? People with PIP only have no coverage at all on their vehicle.

They got screwed by Mother Nature, the biggest bitch of them all.

masteen wrote:

Boogahz wrote:

masteen wrote:Of course, that only applied for people with full coverage. People with PIP still got screwed.

How? People with PIP only have no coverage at all on their vehicle.

They got screwed by Mother Nature, the biggest bitch of them all.

true...followed closely by Old Man Winter!