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BloodBag posted:One I know that feeling. Writing a $950 check tomorrow for a new bumper/fender liner on my WRX
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Dec 10, 2015 20:14
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1500quidporsche posted:Have fun with that. We couldn't loving care less if you want a higher deductible but we sure as gently caress want you to pay out the rear end if you lower it. That's the thing though, I have a 250 deductible and when I asked how much I would save changing to 1000, it was less than 20 bucks a year different. State Farm.
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Dec 10, 2015 21:34
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veedubfreak posted:That's the thing though, I have a 250 deductible and when I asked how much I would save changing to 1000, it was less than 20 bucks a year different. Thats the industry in general. I don't work in property or auto but if I get a request like that the first thing I do is pull up the client's claim history to see if they've actually claimed something in that bracket. The reverse of course is them assuming you're going to claim like a motherfucker if you go the other way.
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Dec 10, 2015 21:47
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1500quidporsche posted:Thats the industry in general. I don't work in property or auto but if I get a request like that the first thing I do is pull up the client's claim history to see if they've actually claimed something in that bracket. I've been with USAA since 1997 and this is the first year I've ever made a claim. I dunno if that helps, but seriously they've been really good and I hope I'm not gonna get pounded on premiums even if I don't lower deductibles.
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Dec 11, 2015 03:18
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I'm in life/health insurance in canada so I can't speak to specific auto insurance industry trends. I know from experience large one off claims aren't a huge red flag, 99% of the people in the industry will totally overlook that, its the second time that we start to think that maybe you're the issue and start charging you out the rear end. I literally incurred a $10k claim a week into my property policy last year and it jumped all of $12, I know that's way more loving lenient then my company would be on any group life or disability policy. My understanding with property/auto is that the bigger issue right now is the shitheels with a $500 deductible that makes a claim on their $600 couch because their dog took a poo poo on it. Its a huge loving thing paying out those claims, I've talked to a guy who said property/auto claims automatically get $2k added on to them as soon as a claims adjuster gets involved. So you've got an uneasy situation now where if you make a claim slightly above the deductible most insurance companies will just cut you a cheque without even looking into the claim, but gently caress you in the rear end for it at renewal.
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Dec 11, 2015 03:38
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something failed mechanically at some point
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Dec 12, 2015 04:14
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pizdetz.jpg
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Dec 12, 2015 04:21
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Found on imgur. Looks like it's hitting vtec.
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Dec 12, 2015 06:01
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Bajaha posted:Found on imgur. I hope it made it to 88 mph before hitting the bridge.
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Dec 12, 2015 06:13
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Bajaha posted:Found on imgur. Pff, look at this Prius driver over here. He's clearly rolling coal, bro.
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Dec 12, 2015 06:27
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atomicthumbs posted:something failed mechanically at some point What's crazy about this is that it looks like there's zero body damage. Like replace the windshield and whatever got torn/poo poo on inside and the car's good to go.
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Dec 12, 2015 07:38
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I'm going to go out on a limb and say the floorplan is probably shot as well which may have taken the driveshaft with it.
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Dec 12, 2015 07:44
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I expect the suspension and axles would have taken a good jolt too.
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Dec 12, 2015 08:04
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I imagine the driver's seat will need a drat good cleaning, too.
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Dec 12, 2015 08:41
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Midjack posted:I expect the suspension and axles would have taken a good jolt too. yeah, check that rear camber. something is definitely bent.
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Dec 12, 2015 09:21
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Sudo Echo posted:yeah, check that rear camber. something is definitely bent. Rear trailing arm gets more negative camber the lower it goes. With a heavy rear end chunk of steel sitting in the back seat it might just be bottomed out suspension and/or the shocks blew. Apparently they guy just got a scratch on his arm 
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Dec 12, 2015 11:49
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Sudo Echo posted:yeah, check that rear camber. something is definitely bent. I dunno, it looks fine from the other angles, don't you think?   Actually, it might be slightly negative, the more I look at it. I still wouldn't go with "definitely" though. NitroSpazzz posted:Rear trailing arm gets more negative camber the lower it goes. With a heavy rear end chunk of steel sitting in the back seat it might just be bottomed out suspension and/or the shocks blew. Apparently they guy just got a scratch on his arm Do you think it's that heavy? It's probably a few hundred pounds, but I don't think it would have a huge affect on the ride height. Raluek fucked around with this message at 11:58 on Dec 12, 2015 |
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Dec 12, 2015 11:54
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http://www.nbcbayarea.com/news/loca...lowTwt_BAYBrand It's sheet metal. quote:a metal tray loader flew off of a truck
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Dec 12, 2015 12:58
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Sudo Echo posted:yeah, check that rear camber. something is definitely bent. Looks like standard X5 alignment to me.
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Dec 12, 2015 18:26
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Cartoon posted:http://www.nbcbayarea.com/news/loca...lowTwt_BAYBrand Ahhh I thought it was an i-beam and that was incredible. Yes, X5s have pretty good negative camber in the rear.
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Dec 12, 2015 19:53
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CharlesM posted:Ahhh I thought it was an i-beam and that was incredible. Ah, if it wasn't an I beam then yeah,there's much less chance of overloading structure. Hell of a photo though.
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Dec 12, 2015 21:17
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Hahaha Holy poo poo I pegged the location just by the overgrowth on the wall and I haven't been living there for 5 years.
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Dec 12, 2015 21:38
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14 INCH DEVITO posted:Hahaha Holy poo poo I pegged the location just by the overgrowth on the wall and I haven't been living there for 5 years. And that brick pattern. Good old "Moorpark" on one side of the freeway and "Parkmoor" on the other (8 years for me)
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Dec 12, 2015 23:43
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.....pass
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Dec 13, 2015 00:12
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It's never lupus.
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Dec 13, 2015 00:19
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1500quidporsche posted:
I assume this is only for at-fault stuff? I got tagged in traffic a few weeks ago, I was stationary at a stoplight, lady hit me from behind. Only damage to my truck was a broken taillight. We swapped info, but she offered to pay out of pocket, I said sure and told her the number would be $400 ($240 for the part plus the hassle of ordering and installing). She balked and tried to barter with me, which pissed me off so badly I reported it to my insurance company anyway. My insurance waived my deductible, but should I avoid making small claims like that even if they are clearly not my fault? Sorry for insurancechat.
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Dec 13, 2015 04:09
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14 INCH DEVITO posted:Hahaha Holy poo poo I pegged the location just by the overgrowth on the wall and I haven't been living there for 5 years. Near Winchester it got toasty from a rain of sparks when a block of Santana Row blazed out during initial construction.
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Dec 13, 2015 07:31
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Savington posted:I assume this is only for at-fault stuff? I got tagged in traffic a few weeks ago, I was stationary at a stoplight, lady hit me from behind. Only damage to my truck was a broken taillight. We swapped info, but she offered to pay out of pocket, I said sure and told her the number would be $400 ($240 for the part plus the hassle of ordering and installing). She balked and tried to barter with me, which pissed me off so badly I reported it to my insurance company anyway. My insurance waived my deductible, but should I avoid making small claims like that even if they are clearly not my fault? They don't have to pay their deductible if they're at fault - at least for the damage to your vehicle (they do have to pay their collision deductible if they want to get their own car fixed). They just get bent over the next time their insurance renews, and continue getting bent over for a few years. At least in my own experience, I rearended someone years ago, and got bent over really bad for about 3 years (to the point that I switched insurance companies immediately when I got my renewal quote - my insurance more than tripled if I had stayed with them, and still doubled with most other companies). Similarly, I had a pretty similar claim recently (got clipped by the guy in the next lane). My own insurance said they would only handle everything if I paid my deductible, then they would sue his insurance to recover it. The total damage, even including a rental car, wound up being less than my collision deductible; thankfully his insurance accepted responsibility pretty quickly. I offered to let the other guy pay out of pocket, he responded by filing an injury claim against my insurance.  FWIW, I did have a dashcam, and sent the video to my own insurance (and they used that video as their primary basis to tell him to go pound sand), but his insurance said the witness statement was enough for them to accept liability.I'm kinda curious how this whole thing will affect my own insurance, though there wasn't an official police report filed (a cop did show up, but decided the damage was minor enough to only file a call sheet instead of an actual report). randomidiot fucked around with this message at 07:52 on Dec 13, 2015 |
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Dec 13, 2015 07:38
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14 INCH DEVITO posted:Hahaha Holy poo poo I pegged the location just by the overgrowth on the wall and I haven't been living there for 5 years. I was thinking maybe it was Walnut Creek, knew it had to be in the Bay Area somewhere.
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Dec 13, 2015 21:53
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Xlorp posted:I lived in a tiny apartment with a view of that wall across Moorpark. Ol' Ma Winchester's ghosts strike again 
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Dec 13, 2015 22:05
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Yeah I remember that day. The Mystery House and the Century dome theaters would have gotten torched if the wind was blowing that direction. 
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Dec 13, 2015 22:11
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Savington posted:I assume this is only for at-fault stuff? I got tagged in traffic a few weeks ago, I was stationary at a stoplight, lady hit me from behind. Only damage to my truck was a broken taillight. We swapped info, but she offered to pay out of pocket, I said sure and told her the number would be $400 ($240 for the part plus the hassle of ordering and installing). She balked and tried to barter with me, which pissed me off so badly I reported it to my insurance company anyway. My insurance waived my deductible, but should I avoid making small claims like that even if they are clearly not my fault? It's good to raise her insurance rate a little, rear ending someone is kinda inexcusable in my opinion. It would also suck if you took her money and then found more damage behind the tail light.
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Dec 14, 2015 04:25
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https://www.youtube.com/watch?v=gEXn33o0rKE
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Dec 14, 2015 08:03
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 Thats not really what you want to see on your tractor dash. 37 degrees outside, viscous hubs totally free wheeling. I got to drive the 45 mins home with the heater blasting flat out just to keep it out of the red. And you cant open any windows on the stupid thing either.
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Dec 14, 2015 09:19
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Ferremit posted:
I'm the untrimmed left middle fingernail
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Dec 14, 2015 12:28
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Just leave the doors hanging open, that's what we do on our Ford and it hasn't broken a door in twenty-ish years.
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Dec 14, 2015 19:25
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some texas redneck posted:They don't have to pay their deductible if they're at fault - at least for the damage to your vehicle (they do have to pay their collision deductible if they want to get their own car fixed). They just get bent over the next time their insurance renews, and continue getting bent over for a few years. At least in my own experience, I rearended someone years ago, and got bent over really bad for about 3 years (to the point that I switched insurance companies immediately when I got my renewal quote - my insurance more than tripled if I had stayed with them, and still doubled with most other companies). Well, as someone that has made 4 different claims over the past 9 years (none my fault) I can tell you it does not affect your insurance. I had a snow plow hit me in a parking lot. Ate 250 deductible on that because it was basically a hit&run. Next up was the shithead in the CRX that sideswiped me and put me into a guardrail. Paid my 250 deductible and took it to the shop I wanted to use. Got my deductible back a few weeks later. Then less than a year later some rear end in a top hat tried to break into my car and hosed up the b-pillar. Only 100 dollar deductible on that one since it was considered comprehensive as it was a theft attempt. The manager of the Best Buy I was at when it happened gave me a 100$ gift card to cover it. The most recent one was when a truck got tboned and flipped over landing on my hood while I was stopped at a red light. Paid my 250 deductible again and got my car fixed at the shop I like. Got my deductible back a few weeks later. None of these have increased my premiums.
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Dec 14, 2015 19:52
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That last one sounds like a hell of a pants-shitter. 
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Dec 14, 2015 21:34
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veedubfreak posted:Well, as someone that has made 4 different claims over the past 9 years (none my fault) I can tell you it does not affect your insurance. I had a snow plow hit me in a parking lot. Ate 250 deductible on that because it was basically a hit&run. Next up was the shithead in the CRX that sideswiped me and put me into a guardrail. Paid my 250 deductible and took it to the shop I wanted to use. Got my deductible back a few weeks later. Then less than a year later some rear end in a top hat tried to break into my car and hosed up the b-pillar. Only 100 dollar deductible on that one since it was considered comprehensive as it was a theft attempt. The manager of the Best Buy I was at when it happened gave me a 100$ gift card to cover it. The most recent one was when a truck got tboned and flipped over landing on my hood while I was stopped at a red light. Paid my 250 deductible again and got my car fixed at the shop I like. Got my deductible back a few weeks later. None of these have increased my premiums. Is this all the same vehicle? Also, I don't want to be in the same State as your bad luck, ever.
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Dec 14, 2015 22:03
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Splizwarf posted:That last one sounds like a hell of a pants-shitter. Oh it was. The truck hit my car just hard enough to break the headlight and dent the hood. If it has stopped 6 inches sooner I'd have been free and clear. As far as cars, the first 3 incidents were on my GLI and the last one was on my Golf. People out here in CO really are a bunch of morons when it comes to driving. But that can be said for most of the country.
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Dec 14, 2015 22:30
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