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M_Gargantua posted:gently caress the insurance company, they should still pay out. Mmmm. Negligence of safety is a real motherfucker. Especially if they live in a state with strict laws around fireworks. I look at the neighborhood in the background there and I think, yeah, they can afford to pay higher insurance premiums for being morons while also not being paid out for repairs to their property because they neglected to take any safety precautions, possibly illegal fireworks, leaving that child next to a literal pile of explosives even briefly, probably alcohol involved, etc. It's one thing if a fire from like, a neighboring property or a wild fire of some variety catches your poo poo on fire. You have no control over that. If you cause the fire, then lol, accept the responsibility and don't post pictures for your insurer to find on the interwebs proving your stupidity to increase your premiums. E: part of me really wants to agree with you, but a bigger part really just wants dumb people on that scale to pay for their own stupidity. I'm dumb too, but I'm not set cars on fire with a pile of fireworks dumb. CRUSTY MINGE fucked around with this message at 17:30 on Jul 6, 2022 |
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Jul 6, 2022 17:27
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M_Gargantua posted:gently caress the insurance company, they should still pay out. This. gently caress being able to deny claims. They’re no better than a casino because the house always wins and they get to make sure it happens. gently caress them. I started a claim on my roof 5 years ago. The deductible was $500 less than the cost of the roof so I just paid out of pocket. Guess what still shows up as a claim as I’m looking for homeowners insurance now? Luckily it’s just outside of the mattering timeline.
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Jul 6, 2022 17:29
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Yes, I think *at worst* an insurance company should be able to set your initial rate higher if you have documented cases of claims due to negligence. None of this corporate bullshit of taking your money and penalizing you for life for any claims you ever do use, let alone the authority to deny claims.
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Jul 6, 2022 17:33
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Roofs are a bit different because age is a big factor. Older the roof, the less they pay out, but a year old one would be bought out in whole. Put a metal roof on and watch your rate drop. Cheaper to replace, longer warranties, higher general durability outside of hail, but noisy as gently caress in the driving rain. I mean, I kinda equate this level of stupidity to drunk driving. An insurer isn't going to cover your rear end if you DUI your car into a pole at 0.2 on the breathalyzer. If you're operating outside the boundaries of what is expected of you, that's on your rear end, and they'll gladly get a judgement against you after paying out everyone else first. E: maybe make negligence claims similar to credit, where it falls off after 7 years of not accidentally burning your home to the ground or flooding the subdivision because you didn't call to have lines marked first. Part of learning is making mistakes, sometimes people have to learn by paying for their previous drunk or irresponsible fuckups. CRUSTY MINGE fucked around with this message at 17:43 on Jul 6, 2022 |
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Jul 6, 2022 17:38
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CRUSTY MINGE posted:Roofs are a bit different because age is a big factor. Older the roof, the less they pay out, but a year old one would be bought out in whole. While I agree with you in cases of stupid is as stupid does, or gently caress around and find out (lets watch the fireworks from 5 feet away instead of 50???) the problem is: fknlo posted:...They’re no better than a casino because the house always wins and they get to make sure it happens. gently caress them... Insurance is all too fuckin happy to take your money, and then will fight tooth and goddamn nail to have to keep from paying any of it back. They are the singular epitome of useless, value extracting middle-men who add nothing to the greater economy. gently caress em.
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Jul 6, 2022 17:43
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Arrath posted:While I agree with you in cases of stupid is as stupid does, or gently caress around and find out (lets watch the fireworks from 5 feet away instead of 50???) the problem is: You're right, they're loving leeches. Maybe some regulation of the insurance companies is in order. Lol.
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Jul 6, 2022 17:45
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You all reminded me that we've been waiting on insurance for about 3 months now to get our roof fixed  Emailed the roofer and told them to just schedule it.
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Jul 6, 2022 17:47
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The insurance industry just told the entire state of Louisiana to go gently caress itself so I'm absolutely on team gently caress insurers.
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Jul 6, 2022 17:53
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CRUSTY MINGE posted:You're right, they're loving leeches. I've legit had to go to the State AG's office and file complaints a couple times to get insurance kicked into gear. It's such a pain in the rear end.
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Jul 6, 2022 17:53
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A.o.D. posted:The insurance industry just told the entire state of Louisiana to go gently caress itself so I'm absolutely on team gently caress insurers. This is happening in Florida too. The industry should be nationalized and flattened out but lol that will never happen, just like health care.
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Jul 6, 2022 17:58
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Police chase livestream as of 1:10 PM EST [Edit: now done]: https://www.wsoctv.com/video/live-stream/wsoc-breaking-news/502e439d-b83b-428f-9d20-118c20e4597d/ / https://www.wsoctv.com/video/ Charlotte area, guy in a white pickup truck pulled over, stole a running tan sedan, crashed it, then carjacked a blue SUV. Station is cutting in/out to avoid showing the good stuff. Edit: LOCKERUP facialimpediment fucked around with this message at 18:33 on Jul 6, 2022 |
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Jul 6, 2022 18:11
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facialimpediment posted:Station is cutting in/out to avoid showing the good stuff. Well now I'm not going to watch, am I? < >
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Jul 6, 2022 18:23
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facialimpediment posted:Police chase livestream as of 1:10 PM EST: Is it a white guy and is he shouting wooooooo and talking about space mountain?
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Jul 6, 2022 18:27
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CRUSTY MINGE posted:I mean, I kinda equate this level of stupidity to drunk driving. An insurer isn't going to cover your rear end if you DUI your car into a pole at 0.2 on the breathalyzer. If you're operating outside the boundaries of what is expected of you, that's on your rear end, and they'll gladly get a judgement against you after paying out everyone else first. The problem is that they've already factored this happening into their price. They're just coming out even farther ahead if they come after you and win. It's a completely rigged game.
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Jul 6, 2022 18:33
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Marshal Prolapse posted:Is it a white guy and is he shouting wooooooo and talking about space mountain? :this:
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Jul 6, 2022 18:33
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Wow thanks for that - that was loving insane.
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Jul 6, 2022 18:33
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Marshal Prolapse posted:Is it a white guy and is he shouting wooooooo and talking about space mountain? yes it is a white guy
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Jul 6, 2022 18:33
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Mr. Nice! posted:Wow thanks for that - that was loving insane. So... apparently some rando non-police truck road raged after the guy and hosed up his own truck? This was apparently dude's stolen car #4 and he finally wrecked it into someone else, right in front of cops, and that was that.
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Jul 6, 2022 18:34
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facialimpediment posted:So... apparently some rando non-police truck road raged after the guy and hosed up his own truck? Yeah vigilante truck was nuts. I'm guessing meth is the cause of this.
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Jul 6, 2022 18:35
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facialimpediment posted:So... apparently some rando non-police truck road raged after the guy and hosed up his own truck? Wow, relevant to the topic we've been discussing! Guess who is gonna have fun with his insurance company!
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Jul 6, 2022 18:37
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fknlo posted:Wow, relevant to the topic we've been discussing! Guess who is gonna have fun with his insurance company! Lol. I watch way too many youtube car crash videos so I know I'll catch this one later today. And yes gently caress insurers. Nationalize.
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Jul 6, 2022 18:39
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Mr. Nice! posted:Yeah vigilante truck was nuts. So this dude: - runs from cops in a truck - steals an uber eats driver's car in a parking lot, TV station interviews her - wrecks the car going the wrong way, runs around on foot, steals SUV of person that got out but didn't turn off car - pisses off the grey pickup truck dude, who backs off and/or wrecks - T-bones a truck in an intersection right in front of a cop and gives up
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Jul 6, 2022 18:40
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https://twitter.com/tplohetski/status/1544730616431841281?t=UN9ZvSVYI9EtYpqRVxz7Sw&s=19
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Jul 6, 2022 18:41
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facialimpediment posted:So this dude: Almost makes me want to download GTA5 again.
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Jul 6, 2022 18:41
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Well, you see, the the south was run by Democrats, and Lincoln was a Republican, so it’s really the Democrats who are racist. No no no, the southern strategy never happened, no, be quiet about the civil rights act… https://twitter.com/ronfilipkowski/status/1544734840263688198?s=21&t=yROdfT4Vun8YyNmkLEMYQA
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Jul 6, 2022 18:59
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quote:Where are we up to with resignations? 
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Jul 6, 2022 19:00
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..... probably not an ideal time for this one to happen https://twitter.com/BarakRavid/status/1544748398154219520?t=9uZi4qd7VgnS5ZyXROYVrA&s=19
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Jul 6, 2022 19:40
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Hahaha excellent power play
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Jul 6, 2022 19:42
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maffew buildings posted:https://twitter.com/tplohetski/status/1544730616431841281?t=UN9ZvSVYI9EtYpqRVxz7Sw&s=19 Time to swallow your service pistol, Officer. They were goddamned kids. I know if I had a bead on this guy and failed to act and this was the outcome- I’d have suck started my pistol by now. I know we don’t joke about suicide, so let me be clear: Not joking here. This motherfucker needs to kill himself. Dead, gone, do not pass go, do not collect $200. gently caress all cops, but especially gently caress the ones who let these kids get slaughtered. Kids- babies. This whole thing is AWFUL. The only comfort I can find is maybe this guy unalives himself in front of the media doing a Dwyer and inspires other Uvalde School Police to do the loving same. Don’t @ me, I don’t loving care. (USER WAS PUT ON PROBATION FOR THIS POST)
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Jul 6, 2022 19:43
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CRUSTY MINGE posted:This is happening in Florida too. Are they realizing that its easier to just not sell any insurance than it is to deny a bunch of hurricane/flood/weather disaster claims?
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Jul 6, 2022 19:46
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https://twitter.com/IcelandFoods/status/1544720221843456001
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Jul 6, 2022 20:19
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CRUSTY MINGE posted:Mmmm. Negligence of safety is a real motherfucker. Especially if they live in a state with strict laws around fireworks. Late to insurance chat but that's my job, I investigate and handle auto claims. I've never heard of fireworks exclusion so they should get paid as it appears to be an accident. Assuming they have comprehensive coverage. CRUSTY MINGE posted:I mean, I kinda equate this level of stupidity to drunk driving. An insurer isn't going to cover your rear end if you DUI your car into a pole at 0.2 on the breathalyzer. If you're operating outside the boundaries of what is expected of you, that's on your rear end, and they'll gladly get a judgement against you after paying out everyone else first. This is also an accident and would get paid assuming they have liability (required in every state except New Hampshire) and collision coverage. Also short of fraud you can't get judgements against your own customers. gently caress corporations and all but there's no need to make poo poo up. facialimpediment posted:So this dude: Haven't watched the video but it sounds there may be intentional acts and also your insurance won't cover you driving a car you stole. Good car insurance will cover there customers for doing a lot of stupid poo poo, sometimes even illegal poo poo. Denials aren't as common as people like to imagine.
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Jul 6, 2022 20:26
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5 quote:Boris Johnson refusing to quit
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Jul 6, 2022 20:35
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or... not? https://twitter.com/haynesdeborah/status/1544767154721099779 LongDarkNight posted:Late to insurance chat but that's my job, I investigate and handle auto claims. It's both hilarious and scary how many industries and government institutions are now goon-infested.
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Jul 6, 2022 20:44
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LongDarkNight posted:Late to insurance chat but that's my job, I investigate and handle auto claims. I've never heard of fireworks exclusion so they should get paid as it appears to be an accident. Assuming they have comprehensive coverage. The denial question was about vigilante truck dude who totaled his vehicle repeatedly ramming the stolen one from behind. I think that would fall under "technically this is not covered but we're gonna allow it rather than make a stink denying coverage to the one guy who tried to actually stop the dude before he hurt anyone else because the cops did not."
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Jul 6, 2022 20:52
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https://twitter.com/timd_ifg/status/1544676428884713472
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Jul 6, 2022 20:53
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quote:The prime minister has fired Levelling Up, Housing and Communities Secretary Michael Gove, who earlier called for him to resign Oh this will end well
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Jul 6, 2022 21:27
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I have a vague-ish understanding of how a parliamentary system melts down when a PM outright refuses to see the writing on the wall, but this appears to be the proper frame: https://twitter.com/scottygb/status/1544755958072614914
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Jul 6, 2022 21:40
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LongDarkNight posted:Late to insurance chat but that's my job, I investigate and handle auto claims. I've never heard of fireworks exclusion so they should get paid as it appears to be an accident. Assuming they have comprehensive coverage. *pulls up seat to esoteric industry insider chat with bucket of popcorn*
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Jul 6, 2022 21:50
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So did something specific trigger the wave of resignations, or did one minister call time and then the rest suddenly found their spines? The no-confidence vote was a month ago. As a colonial I am aware that BoJo is taking a lot of heat for his "work-related" covid cocktail parties but it's not like people are just now, today, realizing that he's a shitbag, I assume.
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Jul 6, 2022 22:13
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