I’m not entirely sure if anyone else has run into this, or if it’s even officially considered a "problem," but for me, there are at least two big reasons why it’s a massive headache.
Basically, whenever I start browsing through different subforums or jumping into new threads, some kind of background music just starts playing out of nowhere. I mean, I totally get it when there’s an active ad running on the forum or if someone has a video playing, but there’s nothing visible that I can actually "mute" or turn off. The first issue is that it’s incredibly distracting when I'm just trying to focus and read something, and the second thing is that on my laptop using Wi-Fi, it absolutely devours my data plan. 😁 It doesn't seem quite as bad when I'm on my desktop at home since I have speakers that I can just quickly and easily turn down, and I've got my unlimited plan, but out here, it's a real struggle.
Just a quick heads-up, too—I don't know if this is being triggered by an advertisement, but neither AdBlock nor my antivirus software seems to be doing anything about it.🙂
It’s kind of a bummer that I just stumbled upon this, but since I’m already here and might as well take advantage of the moment, I figured I’d ask something that actually fits this whole topic. Is there any way to get notified if someone decides to quote me somewhere? I was thinking of something similar to how when you click that little arrow in a quoted post, it jumps you straight back to the original message, but maybe like, working in reverse? 😁
I’m seeing around 930 for my Wiener/Uniqa policies, while everyone else seems to be landing somewhere in the 1100 to 1400 range. Though, I guess my birth year makes things a bit tricky since I don't fall into that 31 bracket.
It really just depends on where you're located and how much effort you're willing to put into dealing with all the headaches, but there can be massive discrepancies compared to what you see online—you might end up paying $67 or even more than those internet quotes suggest.
I honestly have no idea what kind of logic you're using to claim the Rocky Mountains plan is 400 bucks $167 cheaper than anything else, or even more importantly, who exactly you're comparing it to. I mean, if you’re looking at Allianz and their specific tier, then sure, maybe there's a slight difference when you weigh it against some random online deal. Though, I guess you could argue that Allianz's pricing is somewhat justified by what's actually included in the coverage. As for comparing them to Allianz or those other big players, I really doubt there's that much of a gap if we're talking about actual in-person agents rather than just clicking buttons on a website.
If they actually start doing what they’re supposed to be doing, I guess they might be able to prove over the next four years that they can move in the right direction, and that’s really all there is to it. You obviously can't fix everything in just four years when you've had fifteen years of extreme, systematic destruction and theft, followed by another ten years of people just bleeding whatever was left of the remains dry.
Maybe I'm looking at this too much like an amateur, but it feels like things have already partially started moving, so I think it's possible. We could strip those fraudulent HRVI benefits from pensioners and permanently scrap those rights and privileges—even the ones they'd normally have as civilians (like various IRS payouts or incentives for hiring and agriculture, etc.). I say it's possible because on the local news sites in my county, you constantly see stories about someone who's been illegally collecting a pension for twenty years. The thing is, those stories only pop up once every month or two now, when they really should be hitting the headlines every single day.
Another solid step would be to actually take advantage of the opportunities we have. If we implement highway vignettes, we could finally get rid of all those bureaucrats sitting in toll booths whose entire purpose in life is just to have someone to boss them around. Since most of them are probably "set" with their severance packages anyway, maybe we could encourage them to actually put that money into starting a business and jumpstarting the economy instead.
A third thing would be cutting down the bureaucracy and reducing the number of municipalities. Basically, let a municipality be what it used to be; my county used to only have two, Slavonski Brod and Nova Gradiška. If we stuck to something like five (say, Okučani, Oriovac, and Donji Andrijevec), there would be way fewer cronies than before, and people might actually get things done—assuming we cut out the useless nonsense, like requiring a birth certificate to be less than six months old when the data in it never changes anyway.
As for devaluing the currency, personally, I wouldn't mind. Right now, all I have in my local currency is a deficit of 😬 Kapital, while my savings are fine.
Look, I mean, maybe two or three years ago—okay, maybe it’s been longer, but that’s how I remember it—I paid about the same amount of money for a 16GB drive. I actually just went to check on my old one to see what was left on it, and Windows says "Used 0 bytes, free 0 bytes," which basically means the whole thing just bit the dust and died 😲
I was mostly just curious because I know that even when things look identical on the outside, they don't always work the same way (kind of like how a CD and a DVD look similar but aren't the same thing).
I'm checking out this sale at Walmart tomorrow for a 32GB USB 3.0 drive for $30. If the price is right, I might grab it, but honestly, this whole 3.0 thing has me a little tripped up. From what I’ve been reading, the physical size of the port looks identical, so it’s just the 3.0 version being faster—which, I guess, isn't even my main concern. My real worry is whether I can actually plug this thing into my computer if it only has USB 2.0 ports. It feels like a total waste of money if the dimensions match but they aren't actually compatible 😁
I guess I didn't quite wrap my head around that part, because I honestly thought the insurance company wouldn't pay out anything at all.
But anyway, does any interest actually accrue on what the insurer demands you pay back? I mean, if we're looking at an amount equivalent to 12 average monthly salaries, we're talking nearly $70,000, and for someone stuck with a lower income, it could easily take them over a decade just to chip away at the principal alone.🤷
Liability insurance is one thing, but you also have to account for driver protection regarding non-material damages. That’s where things get messy because the driver ends up getting pulled directly into the fray, since standard liability doesn't actually cover those kinds of claims.
You’re looking at amounts that are basically *1000 times higher than what you think.
I guess it applies to everyone who got hurt in the car accident, assuming there’s actually a legal basis to demand a payout—like if the insured driver was clearly at fault, maybe because they were driving like a maniac, cruising without a license, or being totally reckless by driving on summer tires in a blizzard or something like that.
I mean, I think there are plenty of instances where things went sideways with either the USA or Allianz, or maybe cases where HOK, Source, Agram, or some other player really dropped the ball—and vice versa, of course—but honestly, that’s less about the insurance itself and more about whoever is sitting in the chair deciding whether or not to approve a claim.
On top of that, the extra passenger coverage only kicks in for death or permanent disability. For any other kind of injury, you're stuck with a cap of about $6 million for bodily injury! I don't think anyone has ever actually managed to explain to me what the point of this extra coverage even is, or why we're even debating the moral dilemma of whether or not to sign up for it. If someone dies, your insurance pays out maybe $3 million to their heirs. Or if they end up with a 20% disability, it pays out maybe $600k 😕
What kind of headaches can you actually run into with your insurance? I mean, you could end up having issues with whoever you happen to hit 😬
As for that whole duplication thing, I guess you should probably look into it, since most companies offer it in one way or another just to make sure you don't go hunting for some other quote that's maybe a couple hundred bucks cheaper down the line 🙂
I mean, what else do you actually get out of it besides just looking at the price tag? That’s pretty much the only thing there is to feel, unless you count those little perks that honestly shouldn't even be considered part of the mandatory coverage in the first place—like roadside assistance or bonus protection and stuff like that—but they just bundle them right into the policy itself 😁
Personally, I guess having roadside assistance matters to me, but you really have to weigh that against what you're paying. For instance, this year my Allianz policy ended up being $133 more expensive than my GEICO one, and honestly, I don't think that extra cost is even worth it.
In America, you’ve got like 30 different insurance providers to choose from, so I honestly don't see why anyone would feel the need to limit themselves just to State Farm.
Of course it’s always an issue. I mean, just imagine you go out today and buy a car that’s already registered and insured through, say, May 2016. What happens if you actually want full collision coverage, but the car doesn't have it? Or even worse, what if it does have it, but there’s no way to actually transfer that policy from the previous owner over to you?
Once every couple of weeks or so 😬 I guess my issue might just be that I don't live right in the middle of the city, so getting ready and actually heading out for a few drinks ends up being a much bigger commitment in terms of both time and money than just paying for two rounds. But, say, in the last three weeks, I haven't actually managed to grab a drink with anyone, even though one thing was almost set in stone (though I’m not counting texting or hanging out with my girlfriend, even if we haven't been seeing each other all that much lately).
As for your relatives, I don't know, but maybe try to focus on someone you actually vibe with on the same wavelength, because even if you share blood, it doesn't mean you're actually good company for each other. Sure, go grab a coffee with them once in a while and have a chat, but honestly, I feel like they should probably be more of a Plan B rather than a genuine social necessity (assuming you can't find anything else going on).
Comprehensive coverage is actually totally separate from your liability policy. I guess you might see some discounts if you happen to have your main policy with them, but it's not a requirement.
Wait, what am I hearing? If someone actually causes an accident that ruins my life, there is absolutely no way I’m just letting that slide through some petty little lawsuit or small claims court—why on earth would I? I mean, maybe if the person responsible is some total stranger you can't track down, then sure, I guess that's the only time it makes sense. But honestly, treating a serious situation like it's just some big joke is just as bad.
I mean, I guess you could probably pull that off with any of those three insurance providers, though I think State Farm has a five-year limit from when the policy expires, whereas companies like GEICO or Progressive don't really have those kinds of expiration windows on them at all.
urbanharbor95 said:Ever since they started duplicating bonuses, having a status with Lloyd's of London is basically worthless. The only thing that actually matters there now is whether you had any claims—or, you know, if you actually caused some kind of damage—during the previous period.
Most insurance companies, or rather their agents, have been told that the Lloyd's data isn't even relevant for calculating bonuses anymore; they’re supposed to look at the original policy instead. That said, if you do have a claim on file, pretty much everyone is still going to dock your bonus—it just happens based on the original policy rather than whatever shows up on those Lloyd's web pages.
Even Allstate, which is usually super strict about rules and paperwork, has a directive to just look at the bonus listed on the policy itself. That’s the key! It HAS to say "bonus." Not an extra bonus, a family discount, a loyalty perk from the agency, or something else like that.
I’m pretty sure State Farm is in the exact same boat, and as for GEICO, I know we actually had to check the premiums through the AMS, so for them, it still carries weight. Unless, of course,😛there’s some specific insurer certificate regarding the bonus.
Jessica Jones2 said:Car Insurance - anyone else having weird experiences? Basically, it’s always the same old story... when you're actually sitting there signing the contract, they promise you the moon, the stars, and everything in between, making it sound like they'll be your best friend forever. But man, once you actually file a claim and realize you need them to pay out for some real damage... that's when the honeymoon phase ends and all the headaches truly begin! 👍
Well, it’s not necessarily the person you pay who handles the payout. Though, while I was looking into this, I did hear that for some people, their insurance company actually helped them get their claim paid or helped collect from the other driver's insurance. I don't know how much truth there is to that or exactly how they pulled it off, but apparently, some people became loyal customers because of it, so they won't bother $33much
darkmaker94 said:It was my first time getting an auto policy (never had a car registered in my name before), and the agent gave me a 35% discount. No idea how she pulled it off—no special connections or anything, just walked in, asked for a quote, and that was that.
Anyway, I haven't been in any accidents, and I checked the American Academy of Arts and Sciences website and it shows zero claims, so I have no clue why I'd be facing a surcharge.
I'm not really familiar with that situation. If things were being duplicated, I guess I'd understand.
Maybe try going to an insurance agency with your policy in hand and check 😁
swiftridge29 said:Hey everyone, quick question... does any insurance provider actually grant a bonus to a son or daughter if one parent holds a 50% stake? And if they do, is it an actual, permanent benefit, or just some carrot they dangle only to snatch it away the following year?
So basically—there’s this requirement where someone in the household living at the same address gets a bonus that essentially doubles up. Based on what the American Musicological Society uses for premium levels, it isn't actually doubled (like, if you had a level 9 rating, they'd just bump you to an 8).
Progressive—they have a rule where if someone in the family has a bonus, it can be duplicated. Though, honestly, don't just stick to that one rule; they have over 30 different categories regarding how bonuses are transferred or doubled (under the American Musicological Society guidelines, a duplicated bonus would be a level 10).
Allstate—you need an active policy with Allstate at the same address, and there also has to be some kind of family connection. Just a heads-up: the policy has to be currently active, not just drafted (which matters because you can draft a policy six months in advance). Here's the catch: you can transfer a bonus from a father to a son, and then potentially double it back onto the father. It might actually be worth it if the offer is right, but you have to provide a statement notarized by a notary public, which I think costs about $5 or so.
Apparently, in certain cities like Chicago, they give the same bonus to all vehicles owned by the same person. Some people on the forums mentioned GEICO or State Farm for duplicating discounts too, but I don't know the specific details.