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Huggable Bear King posted:yeah how long does a transmission last in a race car? Like two races and it's done? Well the Audi ones need to last for 24h straight racing. And then they throw them out.
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Jul 17, 2014 15:00
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Why isn't my ball joint tightening up? Apparently the nut was fully engaged when the bolt started to stretch, ripped the threads right out of the nut. This was at hand torque on a cheapo 3/8 ratchet.
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Jul 17, 2014 18:17
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iwentdoodie posted:I loving wish I could self finance repairs that will cost at least five grand, without also meaning I can't eat and have no savings. Maybe you should have thought about eating and having savings before buying a car that's outside of your means? I mean, I understand this is Automotive Insanity and all but if you can't afford to insure said vehicle and/or pay for repairs out of pocket to keep it road legal you probably have issues with priorities to begin with.
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Jul 17, 2014 19:36
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To be fair, pretty much any collision repair on any modern car costs thousands of dollars even if you're daily driving a $15k econobox. Insurance companies routinely scrap vehicles that have damage we'd consider repairable 20 years ago because of unibody construction. I'm not knocking unibody, it gives us a heap of valuable features, but the reality is that the cost of repairing them can easily exceed the value of the vehicle. Even just the cosmetic stuff like a headlight and a bumper shell is gonna be a four digit repair.
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Jul 17, 2014 19:53
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I drive a $1500 econo-beater. It's insured, but if I exceed my coverage (which is admittedly over state minimums), I'm pretty well boned. Does this mean I should be walking to work?
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Jul 17, 2014 20:01
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rear end in a top hat casserole posted:I drive a $1500 econo-beater. It's insured, but if I exceed my coverage (which is admittedly over state minimums), I'm pretty well boned. Does this mean I should be walking to work? When a car is "totaled" you are paid out for the value of the vehicle. If you disagree with the value you are offered you can fight it. Also, "totaled" usually means the repair costs are more than 85% of this assigned value. I'm not sure which part you're confused with here. Or are you asking about liability?
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Jul 17, 2014 20:07
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rear end in a top hat casserole posted:I drive a $1500 econo-beater. It's insured, but if I exceed my coverage (which is admittedly over state minimums), I'm pretty well boned. Does this mean I should be walking to work? I'm not sure what you mean by econo-beater, so maybe that changes things somehow. I'd have to total several premium automobiles (and mine) to exceed my coverages. If yours is similar, I'd say drive to work.
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Jul 17, 2014 20:17
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rear end in a top hat casserole posted:I drive a $1500 econo-beater. It's insured, but if I exceed my coverage (which is admittedly over state minimums), I'm pretty well boned. Does this mean I should be walking to work? At what point do the laws start applying to you? Do you get a pass on your vehicle not being roadworthy due to it having an exceedingly low value? If you're only carrying liability coverage then yeah, the onus is on you to repair/replace it or deal with alternate transportation arrangements to get to work in the event a crash renders it inoperable, whether mechanically or because it no longer meets minimum safety standards.
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Jul 17, 2014 20:27
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Krakkles posted:If you're like the rear end in a top hat who drove a $1500 beater into 6 cars (including mine) on my street causing over $20k in damage, which his state minimums insurance then decided to pay out prorated damages on, yes, you should walk to work. Like the whole "private healthcare only" thing, it's just an opportunity for people to get hosed over under the guise of it being a freedom of choice thing. I'm about the last person you could label a socialist, but it's a crock of poo poo.
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Jul 17, 2014 20:32
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InitialDave posted:This is largely a function of the "minimum coverages" model for insurance being completely hosed. It should be like in the UK, where your 3rd party is, in real terms, unlimited (8 figure payouts have been known). Unlimited third party is the law in Norway, without it the car is considered not roadworty and the police will take your plates if they happen to spot it.
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Jul 17, 2014 20:37
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InitialDave posted:This is largely a function of the "minimum coverages" model for insurance being completely hosed. It should be like in the UK, where your 3rd party is, in real terms, unlimited (8 figure payouts have been known).
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Jul 17, 2014 20:44
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I'm not an rear end in a top hat with minimum coverages. As stated, my coverage is higher than state minimums, plus uninsured/underinsured. I was just referring to the statement that if you can't afford to fix your car as well as eat, you shouldn't have bought the car. I haven't run my car into anyone. Don't plan on it. It's insured, inspected and roadworthy, just ugly, old and clankety.
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Jul 17, 2014 21:42
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As with most everything in the US, the people who really need good insurance (read: lovely drivers) don't carry it, or have the bare minimum. Some fuckhead out here drove down the shoulder of 225 on Tuesday during rush hour, sideswiped multiple cars, caused 4 separate accidents, then abandoned the car at one of the light rail stations and got on the train. The car was registered to him. This is the kind of stupidity that makes me lose hope in the human race. http://www.9news.com/story/traffic/2014/07/15/i-225-car-crash/12667445/
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Jul 17, 2014 21:51
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Why is it dirty only up to a perfectly straight line & the mirror?Huggable Bear King posted:yeah how long does a transmission last in a race car? Like two races and it's done?
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Jul 17, 2014 21:58
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InitialDave posted:This is largely a function of the "minimum coverages" model for insurance being completely hosed. It should be like in the UK, where your 3rd party is, in real terms, unlimited (8 figure payouts have been known). My state has no insurance requirement, which is all the more reason to carry full coverage on my "nice" cars. My '95 Dakota beater isn't worth paying comprehensive on, but I still cough up the $200 a year or whatever is costs to have liability coverage in case I hit someone.
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Jul 17, 2014 22:03
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veedubfreak posted:Some fuckhead out here drove down the shoulder of 225 on Tuesday during rush hour, sideswiped multiple cars, caused 4 separate accidents, then abandoned the car at one of the light rail stations and got on the train. The car was registered to him. This is the kind of stupidity that makes me lose hope in the human race. Is there a term "statutory DUI"?
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Jul 17, 2014 22:10
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Hillridge posted:My state has no insurance requirement, which is all the more reason to carry full coverage on my "nice" cars. My '95 Dakota beater isn't worth paying comprehensive on, but I still cough up the $200 a year or whatever is costs to have liability coverage in case I hit someone. So if you run into someone and horribly main them, disabling them for life and landing them with millions in medical bills, that's their problem? poo poo.
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Jul 17, 2014 22:15
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Cakefool posted:So if you run into someone and horribly main them, disabling them for life and landing them with millions in medical bills, that's their problem? poo poo. He said "comprehensive", not liability. IANAIA, but USAA has my liability as a blanket coverage for any vehicle I drive (legally).
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Jul 17, 2014 22:32
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Cakefool posted:So if you run into someone and horribly main them, disabling them for life and landing them with millions in medical bills, that's their problem? poo poo. No, the whole point of my post was that this is the one thing I do pay for on my beater. If some uninsured rear end in a top hat hits my truck, or I drive it into a ditch or something, I'm on my own, but any damage I do to others is covered.
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Jul 17, 2014 22:35
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Cakefool posted:So if you run into someone and horribly main them, disabling them for life and landing them with millions in medical bills, that's their problem? poo poo. They don't pay out enough, you're meant to pay the difference. Which, being poor, you of course cannot afford to do, will never afford to do, and so the person you maimed, while technically being entitled to restitution from you, won't actually get it and is indeed hosed. This is why, while you and I can have uninsured driver cover, so that when someone with no cover hits you you get a payout (within the often hilarious restrictions placed on it), the Yanks also can have underinsured driver cover, to protect themselves against this gap. Note: My understanding of the Gordian knot of US state legislation on this poo poo is minimal at best, so  s feel free to correct me.
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Jul 17, 2014 22:40
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Geoj posted:Proving his point further; "I drive an Escalade but can barely afford the payments and therefore only carry state-minimum liability and cannot afford to self-finance repairs." Well...that's a 2nd gen Escalade, which puts it as being a MY 2002 - 2006. So, that thing would be anywhere from 8 - 12 years old now. I would be surprised if anyone was making payments on that in 2014. Assuming standard used shape / mileage (which is being nice, considering the coating of dirt, busted out foglights, and foggy remaining headlight), in undamaged condition that's probably a $4 - 8k truck. I got mine because Tahoes / Yukons around here of comparable age / condition / mileage were going for about the same price - and most of those were used as kiddy party buses by soccer moms since new. For the money, I figured I might as well get the one that has more bells & whistles, a nicer interior, and less chance of having crayons, soda and Cheerios permanently ground into the carpet. Of course, mine had a ton of poo poo wrong with it (which I'm still setting right), but that's part LOLGM and part moron PO.
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Jul 17, 2014 22:48
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You know, I was part of this derail too, but I thought we were in this thread http://forums.somethingawful.com/showthread.php?threadid=3427127 The insurance thread. Post more broken things   The best part about this failure is that they drove the car to the shop  http://www.rent4ring.de/en/news/2012/600000kms-and-1-mechanical-failure.html
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Jul 17, 2014 22:53
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InitialDave posted:This is why, while you and I can have uninsured driver cover, so that when someone with no cover hits you you get a payout (within the often hilarious restrictions placed on it), the Yanks also can have underinsured driver cover, to protect themselves against this gap.
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Jul 17, 2014 23:05
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Krakkles posted:Almost everything you said is correct, but un/underinsured coverage is only for property damage. Medical bills will never be covered by it. This is 100% false. UIM/UM coverage applies before your standard health insurance kicks in, in fact.
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Jul 17, 2014 23:14
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Savington posted:This is 100% false. UIM/UM coverage applies before your standard health insurance kicks in, in fact. Now I feel better about having that coverage!
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Jul 17, 2014 23:16
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CharlesM posted:Why is it dirty only up to a perfectly straight line & the mirror? It's not dirt. That's a very old 3m bra that has spent its entire life in the sun and never had a coat of wax or soap applied to it.
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Jul 17, 2014 23:40
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PBCrunch posted:Cross-posted from the Alternative Insanity thread, a mechanical failure caused by using a consumer product well outside of its design specifications (my fault): The purpose-built fluid evacuator which I use for my oil changes works at a much slower pace, I will hand-pump it maybe five or six times, then walk away, watch TV for 10 or 15 minutes, come out, give it a few more pumps, rinse repeat. It's really more of a siphoning action if anything. Also, the collection vessel is a LOT sturdier. The diameter of tubing is about the same as what you seem to have here. Also, yes, my oil is usually quite warm I'm sure that makes a difference. Really I just think you're just using way way way too much power. Dial it back a bit and you'll probably be fine using what you've got. Lamar Smith R-TX fucked around with this message at 23:58 on Jul 17, 2014 |
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Jul 17, 2014 23:56
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That's fine, you can just weld it back together.
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Jul 18, 2014 00:05
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"Nasty knocking sound". Yeah, I bet.
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Jul 18, 2014 00:19
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InitialDave posted:This is why, while you and I can have uninsured driver cover, so that when someone with no cover hits you you get a payout (within the often hilarious restrictions placed on it), the Yanks also can have underinsured driver cover, to protect themselves against this gap. It really depends on what part of the US, but yeah, you're pretty close on it. The limitations vary from state to state; UM and UIM generally run concurrently, at least from what I've seen, and at least in Texas, has the same value as your liability. Some states let you change the amount covered. For TX, it's so cheap that it's stupid NOT to carry, especially with the number of uninsured cars running around here (some estimates put it as high as 25% statewide). Some states (only a handful; Texas is one) consider hit and run damage to be covered under uninsured/underinsured motorist coverage. It's saved my rear end twice now (once in my 96 Civic when someone sideswiped me and took off, once in my Altima when it got hit while parked) - Civic had about $4k in damage, Altima was $1700 (and IMO was barely worth that on a good day anyway; it was purely cosmetic on the Altima, so it went to getting the thing running again instead). Most states would cover that under your collision insurance, which means a rate hike at renewal time. If I didn't carry UM/UIM, it would be covered by my collision insurance. Krakkles posted:Almost everything you said is correct, but un/underinsured coverage is only for property damage. Medical bills will never be covered by it. This too depends on the state. I carry an extra $50k in medical coverage just to be safe anyway; it covers anyone in my car, regardless of who's at fault. If it's a bad wreck, that will just barely cover the helicopter ride, but I have decent medical insurance as well (not great, but it's zero deductible with a low out of pocket limit). Beach Bum posted:He said "comprehensive", not liability. IANAIA, but USAA has my liability as a blanket coverage for any vehicle I drive (legally). annnnd another thing that varies by state. In Texas, USAA covers anything I drive, as long as I add it to the policy within 30 days of purchase. I believe this is a state requirement for insurance companies; at least, every policy I've ever had in Texas specified that I was covered while driving any passenger vehicle with permission, and that if I owned it, I needed to declare it within 30 days (dealers won't let you leave the lot without proof of insurance, even if you're paying cash, go figure). The sticky part comes down to when you don't add everyone in a household to a policy. My mom is on my policy, even though she'll never drive my car, simply because having her on there knocks about $100/yr off. My stepdad is specifically excluded, as adding him would add nearly $300/year, thanks to his ticket habits. I once had a roommate on a policy; it knocked both our rates way down to put both of our cars and each other on one policy, and well, Progressive swore up and down "everyone and every vehicle in the household MUST be on the policy".  Then he got in an at-fault accident, and I still get asked "who's Clint?" every time I change insurance companies. It's been 11 years...My last actual agent (when I dealt with direct agents) told me to never put roommates on my own policy again, unless I was loving them... and even then, give it some thought. randomidiot fucked around with this message at 00:25 on Jul 18, 2014 |
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Jul 18, 2014 00:19
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15 minutes can save you 15% on your car insurance. Mechanical Failures
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Jul 18, 2014 02:35
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No. 6 posted:15 minutes can save you 15% on your car insurance. Mechanical Failures Everybody knows that. I save more than that in half the time... Anyway, I posted this in the Trackday thread but here's my first ever track day, windows have to be down, mine decides THAT loving morning to stop working. It was in the 40's and raining most of the day and I didn't get a spot under the covered paddock. I felt sorry for my instructor having to sit in that seat.  edit: failure Joe Mama fucked around with this message at 02:53 on Jul 18, 2014 |
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Jul 18, 2014 02:46
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I'm insured for over 20 Million Euros, I think 7 Mil is the minimum. (This is just for damages to other people, my RAV is too old to be insured)
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Jul 18, 2014 08:02
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SEKCobra posted:I'm insured for over 20 Million Euros, I think 7 Mil is the minimum. (This is just for damages to other people, my RAV is too old to be insured) Jesus loving christ I don't even know if anybody I've met in the US has ever been insured for 7 million dollars, let alone 20mil (or euros or whatever).  At least in my state most people I know are between 250k and 1mil, leaning more towards 250k. I'm insured for $500k for each one of the three categories (I forget what they are at the moment.)
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Jul 18, 2014 09:29
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I checked, the minimum insurance you have to take out to get plates on a car here is for 7.000.000 € (or 7,000,000 € for you Americans). This really makes me wonder how you guys can survive a crash financially, especially with all the sue-happy people.
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Jul 18, 2014 09:44
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SEKCobra posted:This really makes me wonder how you guys can survive a crash financially Bankruptcy, that's how!
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Jul 18, 2014 09:50
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wilfredmerriweathr posted:Jesus loving christ I don't even know if anybody I've met in the US has ever been insured for 7 million dollars, let alone 20mil (or euros or whatever). I've never even seen a policy with less than $20 million third party property cover here in Aus. Some idiots drive around without any TPP cover though. Third party injury is compulsory to have and is unlimited $. That's what happens when you have compulsory insurance and a rational legal system.
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Jul 18, 2014 11:14
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This came up recently in CA.Nidhg00670000 posted:I just checked the liability on one of my cars, since I've never heard of any insurance corp here actually letting you choose the amount.
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Jul 18, 2014 12:31
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My 20 million are to cover me ramming a full bus off the road, basically.
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Jul 18, 2014 13:03
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42 million in liability insurance has got to give an ambulance chasing lawyer a stiffy.
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Jul 18, 2014 14:00
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