somthing irking you? pissing you off? rant about it here.
What irritates you?
somthing irking you? pissing you off? rant about it here.
somthing irking you? pissing you off? rant about it here.
somthing irking you? pissing you off? rant about it here.
Sure is. I'm sure you'll do what you think is right in the long run and thats what people expect of you too.
I feel so bad for her. That was her golden man (He was a retriever)she loved him like a child. He snuggled with me every night that I stayed there. Such a sweet and gentle doggie.
:frown: sniff :frown:
My irritates: Some guy slamming into my Jeep from behind. Damaging my trailer hitch, frame, back hatch, bumper etc. Being declared a total loss. :frown: Guy having no proof of insurance :angry: :angry: :angry: He said it wasn't his car, so maybe the owner will have insurance. Won't find out till I get the report back from the cops. The guy wanted to leave, but I said no way, not till a cop is here.
good call!
Blah, I hate having any accidents in a car, they're always a major headache.
That's the kinda person that makes all our premiums higher, ticks me off too, especially since I pay out the nose for coverage.
   2. Don’t Accept First Offer. Do not accept the insurance company's first offer. If you do some research, you can probably get more.
   3. Do Your Own Research or Contact One of Our Auto Accident Attorneys. Right away, you should do your own market research. The best place to start is by searching the Internet. Thousands of cars are advertised on the Internet at any given time. Go to cars.com. The site has a searchable database of cars by make, model and location within a certain mile radius. Look at the prices of vehicles within 40 miles of your home that are the same make and model as yours (although keep in mind that a year older or newer than yours is also considered "comparable"). Click on the vehicle listing to get more detailed information on these cars. Print out the details for the 10 highest priced cars. Also, look in the auto classified section of your local paper. Make copies of ads for similar vehicles that favorably price your car. If all else fails, call an auto dealer and ask what they believe is the market price of the same year, make and model of your vehicle equipped with similar options. Have them fax or write their answers to you. Average all the figures to get an idea of the true market value of your car.
   4. Find Out the Blue Book Price. "They didn't offer me blue book price, why not?" This is a common question. The answer is that no law requires an insurer to pay for the loss of your car based on the blue book or any other price/value book. It is simply evidence of what a reasonable sum might be and for that reason you should also use it in coming up with a counter proposal to the insurer's offer. To check blue book value, go to carpoint.msn.com and click the pricing link to Kelly Blue Book. Type in your year, make and model, and be sure to check all the options your car had plus mileage. Chances are, the blue book value is higher than what the insurance company offered you. Let the adjuster know your car's blue book value.
   5. Send the Insurance Adjuster Information on Comparables. When the insurance company sends you its market survey results, chances are that none of the "comparables" you found will be on it. You should then mail or fax your research to the insurance adjuster and ask him/her to raise the original offer in light of the higher values your research has uncovered.
   6. Read the Insurance Company Report. Read the insurance company report very carefully. It's supposed to contain comparable values for vehicles available in your area. Many of the vehicles they claim are available in the local market area are neither available nor in the local market. Highlight vehicles that are over 75 miles away. Also highlight ads that are over 3 months old. When you write or speak with the adjuster, tell him/her how many vehicles were either not available or not in the local market. Explain that this makes the report flawed. In addition, certain vehicles on the report may have extra information to document the comparison between it and your car. Verify all this information by calling the dealer or source. If the company claims to have inspected the car, call the dealer to see if they remember anyone inspecting the car. If you have time, go look at the vehicle yourself. It may be in far worse condition than yours.
   7. Get Value for Options. Options make a world of difference in valuing a vehicle. Everyone knows that a car with power windows, power locks, air conditioning, a cassette player, deluxe interiors, etc. is more valuable than a car lacking those options. The problem is that insurance companies do not figure in options at their full value in determining the price of your car. By Minnesota Statute (§72A.201 Subd. 5(9)), it is an unfair settlement practice to "reduce or attempt to reduce for depreciation any settlement or any offer of settlement for items not adversely affected by age, use, or obsolescence." When insurance companies add on only a few hundred dollars at most for all the options you have, they are depreciating them. For example, if your car has a working AM/FM cassette, you should get the full value of that AM/FM cassette player, not something far less. Go to carpoint.msn.com and use Kelly Bluebook to find the retail value of your car as it was actually equipped. Then compare it with the same car lacking those options. The difference between the two is what you should argue the insurance company should add to the value of your car. This can be a significant amount.
   8. Send Pre-Crash Pictures of Your Car. Emphasize the good points of your car. If your car is older, but with low mileage, this should add value. The same is true if the car was in good shape. If you have pictures of the car from before the crash, make sure you send copies to the adjuster.
   9. Be Polite, Yet Firm. The way you present yourself can influence the insurance company's willingness to offer a fair price. Be polite, yet firm. If all goes well, they will probably offer a higher amount. If you don't get a reasonable offer, the law allows you to take them to small claims if the amount in question is under $7,500. Advise the adjuster that you are willing to take that step, if necessary.
  10. Know the Law. Every state has laws governing car accidents and auto insurance. A Minnesota auto accident attorney will help you understand your legal rights and remedies under Minnesota law.
what were you doing over by me?
you didn't have your cell on you?
thats usually how it happens! the 4 times out of the year when I didnt have my license I got pulled over for speeding :frown: :eyeroll: :eek: :angry:
did he get any tickets for no proof on insurance? or the rear ending?
what kind of damage did he encure?
when my sister didn't have insurance (years ago) - the person sued her directly for the the 4 grand and won
at least you got his info incase you take him to court
I had one myself today - but not in a car. I tripped over a crack in a sidewalk, crashed myself into a lightpost, knocked the wind out of me and am now home nursing a sore person.
Thankfully, it happened right outside Aspen clinic in Bandana Square where we had just been with my Mom. I was the last to leave so while the kid and my Mom were out having a nice lunch together, I was being xrayed and checked out.
I have prescriptions for pain medication and a muscle relaxant. We'll see how things go before I get those filled. I'm working with ibuprofen and a heating pad for now.
1. No proof Ins
2. Failure to yeild (I think)
3. Failure to use due dillgence (or something like that)
At least I can still drive the car. Hatch back don't open and I cant tow my toys, but I can drive it. What sucks is that I didn't want to pay higher Ins premiums for a vehicle that I would never collect on if damaged, so I only had liability only. Don't cover me, but I figured if it was their fault I'd collect. Well it is their fault, but if they have no insurance I may not collect. And I know very well that even if you sue someone and win, that don't mean you actually get your money. My vehicle wasn't worth that much anyways.
I think it's a good thing I stayed in today.
Terry, :frown: I didn't know when I saw you in the park :frown:
epsom salts - ancent chinese secret :wink:
hope you feel on your feet again soon
http://www.care2.com/channels/solutions/self/290
Opposite for you TV. I'm sorry about your fall and pain. But at least your car is OK. :wink:
always think of the positive :smile:
Get better soon young lady
hope your feeling a little better today terry.
Where do I begin?
How much time do you have?
LOL!
Contractors who stop showing up.
The appointment clerk who erased my appointment time because they made a wrong assumption.
The restaurant with lukewarm buffet and personnel who don't seem to get my point about why I don't want to eat the food lukewarm (two obvious reasons!). And they still bring the bill.
Stopping at the vet's office a couple of times a week for other things (related to the doggie nursing home here) and STILL forgetting to pick up the blankets I left there when my little doggie had his stroke. They were kind enough to wash them and set them aside, but you think I can remember to get them? Doggie's home and doing well, so that is a good thing!
I'm sure there's more, but I'm guessing you get the idea.
Time for court I suppose. I'l try and call and see if they wanna deal, but I don't think they have any money.
Of course the KBB value of my Jeep is less than $2,000.00. So I suppose I offer to settle for that and they keep the Jeep (not that bad of a deal) or they can give me $1,000 and I keep the Jeep. Does that sound fair? The damages are over $4000.00 wich is more than the vehicle is worth. Either way I'm still screwed because I can't buy another one for that.
Hope things will be going better for you all very soon.
But I may start negotiations at $4000, if I ever find them to negotiate.
Whats the point of making me pay for no fault insurance then?
It sucks, because like you said, you can't replace it for what you'd get. But have you checked the Blue Book value? My older ('95) Jeep has a retail value of $6,500, and I think that's what they use.
It's just a bad time now. Kinda hard to get a loan for another car when you don't have a job. :frown:
I was hoping the Jeep would last me through till next year, and if I keep it, it probly will, but I can't tow with it now. Even if they straightened it out enough to use the hatchback, once the frame is bent on the towing tongue you lose all strenth in it, and it would be dangerous to try and tow with it.
If I can't tow with it, I don't want it.
You should consider joining a credit union. Often times they're more lenient about giving loans. Or have Penny join and use her income to get a loan on something suitable until you finish school and are employed again.
Thaks kitch, I'll send some info your way.
I don't think I'll have a problem getting another car. Heck I can put it on credit if I have to.
Of course it went up. :chagrin:
ours actually went down this year, mostly because the school district portion decreased more than the city and county increased. and our valuation for next year is all of a $700 increase, so we're hoping for more of the same next year.
The city is trying to push a sewer through an area to benefit a business that wants to move to town and the residents and businesses are going to be assessed even if they have no use for hooking up to it because they already have their own holding tanks, etc. that are perfectly legal in that area. It's a low density area with large acreage and one man stood up and said that his proposed assessment would total over $200,000!
Now imagine if he doesn't pay it within the tax year and spreads it out over the seven years allowed what his taxes will be!
CM, explain to me how that Klein guy gets elected over and over. He's just plain rude and wanted to call the vote before people were done discussing it because he had to go to the bathroom. :eyeroll:
~I'm hoping he's not a good friend of CM's~ :worried: :sheepish:
 :chagrin:
Where abouts in Pine County?
First of all, he knows everyone. And has been around for ever so people know his name. Plus there's a nice sized older population out there who vote for him every time.
We actually do know each other. We've talked a number of times. He's one of the guys who puts on the IGH holiday party at the vets center. He was great to my daughter and I then and when I first met him and his wife when they complimented me on my car since he was a fellow Caddie-man.
Although, I have heard lots and lots of negative things about him and the way he runs things from another council member who's my neighbor. An even better friend of mine. So, I guess I'd side with Chip as far as the politics go but Bill seems OK as a person to me anyway.
I'll answer this one. He's full of crap, so people trust/beleive him and thats why he has to go to the bathroom. :wink:
j/k I don't even know the guy