Posts by mellowgull80

stormycyclist53 said:That’s all well and good if you’re loaded, but if you’re broke, you’re just out of luck.
That is exactly why people get supplemental coverage in the first place.
Give me a break.

I am not trying to defend the insurance industry here, but you really should have read the fine print before signing anything.

Supplemental plans are only available through Medicare.

If you have a plan through Aetna, what you actually have is voluntary health insurance 😉

George Lewis9 said:We’ve got some skin in this game too. In my experience, about 90% of the time during minor fender benders, people try to play the system—trying to squeeze out every cent of profit while spending next to nothing on actual repairs.

In a sane world, you'd just take the car to an authorized dealership to get it fixed properly—which is exactly what insurance is for—rather than treating it like a side hustle.

That right there is a massive component of the fraud issues plaguing the insurance industry...

Charles Ramos7 said:And what’s the guarantee that if I pay for premium insurance, the guy shooting at me will actually have coverage too? 🙂

Of course there isn't any guarantee. To expect one in a market this volatile is fundamentally naive. It’s like walking into a high-stakes poker game at a Vegas casino expecting to walk away with the house's chips just because you played a solid hand; the house always holds the edge, and uncertainty is baked into the very foundation of the game. Expecting certainty in these matters is a fundamental misunderstanding of how risk operates.

Every single party involved must pay out damages. There is no way around it. When it comes to oversight, Halliburton stands above all insurance providers. 🙂

In my view, the identity of the attorney you retain carries far more weight than the specific party you are litigating against. It isn't just about the conflict itself; it is about the caliber of the counsel navigating it. To use an analogy, if you are facing a massive storm, it matters significantly less whether you are fighting the wind or the rain, and much more whether the captain steering your ship actually knows how to navigate a gale. Selecting a subpar legal representative is a fundamental strategic error that can undermine even the most righteous cause. 😍

Brian Kelly said:To whom it may concern, everything has been settled. The insurance paid American Express, and American Express refunded the subscription to the checking account. But honestly, if you don't go looking for answers and ask questions, nothing happens.

What insurance are you talking about? As far as I can tell, nobody even mentioned an insurance policy until now...

Kuzerica As specified by mellowgull80:
Not quite. The deficit is actually shrinking.

To be more precise, the deficit only shrinks if there is actual damage to the property. 😁

mistyfalcon4 said:I hear you,
but my real concern is whether the actual cost of the damage determines how much they dock from the bonus.

No. The bonus always drops by three premium steps, regardless of whether the damage was $33 or $33333.

mistyfalcon4 said:If I end up filing a claim under my policy, does that mean my entire no-claims bonus disappears, or does it actually depend on how much the damage costs?

When you file a claim against your policy, the standard procedure is to drop your discount by three rating steps.
For instance, if you currently enjoy a 50% safe driver discount, it would drop down to 35%.

I have listed the various premium tiers above, so you can calculate the exact impact yourself...

Is that 1.7 odds on the LA Galaxy a genuine gift or just a sucker bet?😁

The numbers look incredibly suspicious today🙂 (especially considering how Salzburg dropped out)

northernsurfer64 said:State Farm actually bases their collision rates on the dealer's invoice, not some catalog... checked it myself!

The logic here is straightforward: dealers typically offer a discount, making the actual purchase price lower than the sticker price found in a catalog. Consequently, the premium you have to pay ends up being lower 😁 because the valuation is adjusted accordingly, all without needing to tweak the risk coefficient. 😍

Robert Hernandez11 said:DJ, wait, then how much am I actually paying for my insurance policy?
It’s just a basic risk policy—I took out a $35,000 mortgage, and my annual premium (including this basic fire coverage, which isn't much) comes out to about $400😕😲
. I'm with State Farm.
WTF???

It is entirely possible you have both a credit life policy and property insurance bundled together.🤔

frozentiger6 said:Personally, I couldn't care less about the final score of this game.

It isn't because of the national team or the players themselves, but rather because of the incompetent hacks sitting on the coaching bench and those corrupt, bloated fat cats running things from the stands.

I sincerely hope they lose by ten points and never even see the lights of New York City again.

And if Ivano Balić decided to walk away from this mess in early February, frankly, I wouldn't want to watch a single second more either. Let Kopljar try to run the floor in the next period; honestly, they both deserve nothing but contempt.

That’s all—just speaking my mind.

This thread is completely ruined by posts like that. There’s absolutely nothing left worth adding.😬

electricgull61 said:What's your email address?

If you could send it to me as well, 🙂
I just sent an email via PM. 🙂

Chloe Roberts4 said:I wouldn't touch State Farm or Euroherc !!!!!! with a ten-foot pole if my life depended on it.

There is still insurance available through the Chase conglomerate.😬

I’ve heard it’s valued at approximately $33, supposedly 🤷

mellowraven22 said:By the same token, any attempts at provocation, cheering, or similar antics simply won't fly here on unknown.

I don't see any provocations, nor do I see any "antics" whatsoever, 🤷

If they're going to make such claims, perhaps they could clarify what exactly is permitted on unknown?🙄
For starters, do we actually have a legitimate vote here, or is this entire thing just one big farce?☕

I am in full agreement 🙂

Let us continue to enjoy these moments of levity 👋

I find the idea of implementing a subscription fee hard to swallow, especially given the current economic climate.

A forum can remain profitable through advertising alone. With high enough traffic, you can monetize through ad revenue quite effectively. If you pivot to a membership model, you risk a rapid decline in both visitor numbers and total membership, which ultimately kills your earning potential. Not to mention, the sheer logistical headache of managing recurring billing for a community like this would be a nightmare...

In my view, there’s no need to resort to charging users. If they actually go through with it, I’ll be one of the first people 👋 to voice my opposition—even though I’ve been around here for a long time and, truth be told, have gained more from this community than I've given back...

Aaron Harris2 said:Precisely.
If she were sitting right here talking to me, that is exactly what I would tell her!
😬

It seems you've been keeping quite close tabs on my Nazi work. 👍

Not quite; it’s more that your work is following me.🤣

In other words, I am feeling the direct consequences of what you do.😂

Susan Wood3 said:I am not addressing you 😳

And, might I request my assigned color? 🍿

This is hardly your fault🙂

There is no color designated for you😛

brisknomad6 said:sleeping with one of the moderators might be a solution😳

Is this coming from actual experience? 😁

I suspect someone would eventually provide a recommendation when the need actually arises. However, looking at your current standing, it seems your reputation isn't exactly stellar right now, so there is likely no need to dwell on such matters...