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Car Forum / Ford / Ford Mustang / May 2005

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OT: Accident

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memset@recorddeal.com - 12 May 2005 06:31 GMT
Elizabeth was in her first car accident tonight. A moron comes into the
lady's lane who happens to be beside me.. smashes into her car... I see this
coming so I romp on it in 3rd..... not fast enough! Smashes my f.cking rear
quarter panel (driver's side) & bumper. *sigH*.

The person who was at fault went to jail. I get a police report in 3
business days. Any advice? I'm going to get a new spoiler, rear bumper,
wheel (damaged also).. car drives in a straight line still for a long time..
so alignment is fine.

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/
conradblack922376@yahoo.com - 12 May 2005 12:34 GMT
>Elizabeth was in her first car accident tonight. A moron comes into the
>lady's lane who happens to be beside me.. smashes into her car... I see this
[quoted text clipped - 7 lines]
>
>-Mike

lmfao
BWHAHAHAHAHAHAHAHAHAHAHAHA
lmfao
i like gravey

hurc ast
memset@recorddeal.com - 12 May 2005 16:56 GMT
Good to know. Country style or brown?

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> >Elizabeth was in her first car accident tonight. A moron comes into the
> >lady's lane who happens to be beside me.. smashes into her car... I see this
[quoted text clipped - 14 lines]
>
> hurc ast
Deputy Dog - 13 May 2005 00:12 GMT
> Good to know. Country style or brown?
>
> -Mike

More likely the type when you get the Hersey squirts.

Dave
Wound Up - 13 May 2005 00:32 GMT
>> Good to know. Country style or brown?
>>
>> -Mike
>>
> More likely the type when you get the Hersey squirts.

I was recently quite sick from apparent food poisoning, and I drank
literally gallons of blue Powerade to replenish myself, and also took blue
anti-D pills to help control things, and the result?  BRIGHT freaking blue
play-doh squirts.  It lasted three days.  Most disturbing.  I still wake up
screaming.

Signature

Wound Up
ThunderSnake #65

memset@recorddeal.com - 13 May 2005 02:40 GMT
*Gasp* woooooow... i gotta try that :D. Sell it on ebay!

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> >> Good to know. Country style or brown?
> >>
[quoted text clipped - 11 lines]
> Wound Up
> ThunderSnake #65
SVTKate - 13 May 2005 12:42 GMT
FOFLMAO!!!

Only YOU Mike!

| *Gasp* woooooow... i gotta try that :D. Sell it on ebay!
|
[quoted text clipped - 20 lines]
| > Wound Up
| > ThunderSnake #65
SVTKate - 13 May 2005 12:44 GMT
Hubby says to eat beets for about three meals in a row!
And for a REAL thrill go get snockered on some Creame De Mint

hmm...
do you think this is his voice of experience talking?

Kate

| *Gasp* woooooow... i gotta try that :D. Sell it on ebay!
|
[quoted text clipped - 20 lines]
| > Wound Up
| > ThunderSnake #65
Jeepers! - 13 May 2005 15:21 GMT
> Hubby says to eat beets for about three meals in a row!
> And for a REAL thrill go get snockered on some Creame De Mint
[quoted text clipped - 3 lines]
>
> Kate

Never take sleeping pills and laxitives at the same time.
Deputy Dog - 13 May 2005 23:02 GMT
What a way to say Merry Christmas

Dave

> Hubby says to eat beets for about three meals in a row!
> And for a REAL thrill go get snockered on some Creame De Mint
[quoted text clipped - 30 lines]
> | > Wound Up
> | > ThunderSnake #65
SVTKate - 14 May 2005 00:37 GMT
ROFL!
He liked that one!

Sick old man that he is!

| What a way to say Merry Christmas
|
[quoted text clipped - 35 lines]
| > | > Wound Up
| > | > ThunderSnake #65
Quiet Desperation - 13 May 2005 03:30 GMT
> It lasted three days.  Most disturbing.

Feh... I had the viral type of food poisoning last month. Ten solid
days of, well, lack of solidness.
SVTKate - 13 May 2005 12:41 GMT
That is just too funny

| >> Good to know. Country style or brown?
| >>
[quoted text clipped - 7 lines]
| play-doh squirts.  It lasted three days.  Most disturbing.  I still wake up
| screaming.
memset@recorddeal.com - 13 May 2005 02:40 GMT
LOL

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> > Good to know. Country style or brown?
> >
[quoted text clipped - 3 lines]
>
> Dave
Spike - 12 May 2005 15:20 GMT
Never assume that just because it appears to drive in a straight line
that there has been no damage. Never assume that because there was no
discomfort immediately after the accident, when adrenalin is pumping
on high, that there have been no injuries.

>Elizabeth was in her first car accident tonight. A moron comes into the
>lady's lane who happens to be beside me.. smashes into her car... I see this
[quoted text clipped - 7 lines]
>
>-Mike

Hey! Spikey Likes IT!
1965 Ford Mustang fastback 2+2 A Code 289 C4 Trac-Lok
Vintage Burgundy w/Black Standard Interior
Vintage 40 Wheels 16X8"
w/BF Goodrich Comp T/A Radial 225/50ZR16
memset@recorddeal.com - 12 May 2005 16:57 GMT
Well, I wasn't hit *that* bad. It's the next day... still no pain. I'm
tempted to bullshit it & get more $ outta 'em b/c I'm so pissed, but I don't
think I will.

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> Never assume that just because it appears to drive in a straight line
> that there has been no damage. Never assume that because there was no
[quoted text clipped - 18 lines]
> Vintage 40 Wheels 16X8"
> w/BF Goodrich Comp T/A Radial 225/50ZR16
gjt - 12 May 2005 16:32 GMT
Mike:

Hate to hear that.  Any and all accidents are a pain.

Be sure to dicker with the Insurance company.  When my daughter's '97
vert was hit, I rec'd an extra $800 for the devaluation of the car.
Probably should have held our for more. With AutoFax and CarFax, if you
were to sell your car it would show up as being in an accident. Or if
you trade it, you will get less for it because of being repaired.  Hope
this helps.

"GT's GT"

> Elizabeth was in her first car accident tonight. A moron comes into the
> lady's lane who happens to be beside me.. smashes into her car... I see this
[quoted text clipped - 11 lines]
> Melt away the Cellulite with Cellulean!
> http://www.MeltAwayCellulite.com/
memset@recorddeal.com - 12 May 2005 16:58 GMT
Yeah that's the part I'm REALLY worried about. The actual repairs won't cost
too much, but the car ain't worth sh.t now! I couldn't sell it even if I
wanted to! I have no plans on selling it, but f.ck... ain't worth sh.t to
anybody else now!

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> Mike:
>
[quoted text clipped - 24 lines]
> > Melt away the Cellulite with Cellulean!
> > http://www.MeltAwayCellulite.com/
Mark C. - 12 May 2005 17:49 GMT
Forgive me for not knowing, but what kind of mustang is it? Sorry about you
accident.

Signature

Mark
--
"I was thinking of the immortal words of Socrates who once said, "I drank
what?". " Val Kilmer in Real Genius.

> Yeah that's the part I'm REALLY worried about. The actual repairs won't
> cost
[quoted text clipped - 39 lines]
>> > Melt away the Cellulite with Cellulean!
>> > http://www.MeltAwayCellulite.com/
memset@recorddeal.com - 12 May 2005 19:37 GMT
Guess that woulda helped... sorry, Mark. 1998 Mustang GT. I've owned her for
3.xx years now... lots of good memories in that car.. learned a ton from it.
Really depressing.

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> Forgive me for not knowing, but what kind of mustang is it? Sorry about you
> accident.
[quoted text clipped - 48 lines]
> >> > Melt away the Cellulite with Cellulean!
> >> > http://www.MeltAwayCellulite.com/
SVTKate - 12 May 2005 21:23 GMT
Hey Mike,
I'm so sorry to hear about Elizabeth.

Ok.. WHY didn't you fall on the ground and twitch like I taught you???
j/k

Now, hold on a sec, ok!

If the damage is minor, it will in no way affect the value of the car. Dents
can be pulled, bumper covers replaced, wheels replaced it should be ok! Just
choose the BEST shop. Take her out and get estimates from the best shops in
the area. Don't underestimate the shops owned by local dealerships. Ford,
Chevy, Honda and so on.

I kind of got the impression from your first email that it isn't all that
serious.

As far as taking advantage of the situation, you have got to lead with your
concience.
People that take advantage are the reason that insurance rates are so high.
If your car is repaired to pre-wreck condition and you have no physical
injuries, then why ask for more than you are entitled to, just because you
can?

Kate
Fao, Sean - 12 May 2005 22:07 GMT
> As far as taking advantage of the situation, you have got to lead with your
> concience.
> People that take advantage are the reason that insurance rates are so high.
> If your car is repaired to pre-wreck condition and you have no physical
> injuries, then why ask for more than you are entitled to, just because you
> can?

Maybe you and I share different views on this topic.  IMHO, making up
for a loss in value (assuming there is one) is more than enough reason
to ask for a little more.  Taking advantage of the situation isn't what
makes rates high.  More often than not, it's lack of attention and/or
foolish behavior that causes the accident, which leads to high rates.

Signature

Sean

Spike - 13 May 2005 00:01 GMT
Valid point that without accidents the rates might not be so high, but
you must admit that people getting greedy joining up with shyster
lawyers, compounded by juries that award judgments way out of
proportion to the situation all have definite impacts on rates. And I
think what Kate was saying was that people are entitled to fair and
just compensation for a loss, but should be guided by conscience as to
what fair and just is in their particular case. Damage repair and
medical sure. Compensation for loss of use while repairs are made,
sure. But claiming damage that was already there, or injuries that
don't exist yet can't be disproved, in order to find that pot of gold
at the end of the rainbow is way beyond just being morally wrong.
That's just pure greed which, if nothing else, is the kind of thing
which gives insurers the excuse, founded or not, to jack up everyone's
rates.

>> As far as taking advantage of the situation, you have got to lead with your
>> concience.
[quoted text clipped - 8 lines]
>makes rates high.  More often than not, it's lack of attention and/or
>foolish behavior that causes the accident, which leads to high rates.

Hey! Spikey Likes IT!
1965 Ford Mustang fastback 2+2 A Code 289 C4 Trac-Lok
Vintage Burgundy w/Black Standard Interior
Vintage 40 Wheels 16X8"
w/BF Goodrich Comp T/A Radial 225/50ZR16
SVTKate - 13 May 2005 00:52 GMT
Yea... what Spike said :)

| Valid point that without accidents the rates might not be so high, but
| you must admit that people getting greedy joining up with shyster
[quoted text clipped - 29 lines]
| Vintage 40 Wheels 16X8"
| w/BF Goodrich Comp T/A Radial 225/50ZR16
SVTKate - 13 May 2005 00:51 GMT
| > As far as taking advantage of the situation, you have got to lead with your
| > concience.
[quoted text clipped - 8 lines]
| makes rates high.  More often than not, it's lack of attention and/or
| foolish behavior that causes the accident, which leads to high rates.

I think you may have misunderstood me.
Making up for lost value is something new to me, but understandable.
What I meant was more like
"Ouch, my whole body is broken" when there isn't a thing wrong.

Kate
Deputy Dog - 13 May 2005 02:22 GMT
> | > As far as taking advantage of the situation, you have got to lead with
> your
[quoted text clipped - 21 lines]
>
> Kate

To me its like be just a little bit pregnant. Inflate the claim for  a
Dollar or a thousand, its still inflated and wrong. Jes cause they done you
wrong don't make it right for to do the same. Thats just me take it for what
its worth.

Dave
Spike - 13 May 2005 06:23 GMT
I think it depends on what you do. Much like the difference between
tax evasion and tax avoidance. The former is illegal and the latter is
expected. If you follow the rules laid out I see no conflict. For
example, your insurance company says go get three estimates, but they
do not instruct you who you can or can not get them from, it's totally
within your rights to get them where you please... including custom
shops. The insurance claims adjustor can reject anything which is
deemed out of the mainstream for the locale.

>To me its like be just a little bit pregnant. Inflate the claim for  a
>Dollar or a thousand, its still inflated and wrong. Jes cause they done you
>wrong don't make it right for to do the same. Thats just me take it for what
>its worth.
>
>Dave

Hey! Spikey Likes IT!
1965 Ford Mustang fastback 2+2 A Code 289 C4 Trac-Lok
Vintage Burgundy w/Black Standard Interior
Vintage 40 Wheels 16X8"
w/BF Goodrich Comp T/A Radial 225/50ZR16
SVTKate - 13 May 2005 12:41 GMT
|I think it depends on what you do. Much like the difference between
| tax evasion and tax avoidance. The former is illegal and the latter is
[quoted text clipped - 4 lines]
| shops. The insurance claims adjustor can reject anything which is
| deemed out of the mainstream for the locale.

May I add to Spike's vast pool of wisdom?
I'm not gonna pee in the pool anyway, so here it is.

DID YOU KNOW...???
That by law, (CA) you do NOT have to get three estimates.

You have every right to say "I want my car fixed at XYZ Body Shop" and they
cannot tell you do do any differently.

It doesn't matter how many estimates you get, they will still send an
adjuster out to look at the car. The adjuster will write his own estimate,
and the car will be repaired according to that.

If there is hidden damage, the adjuster will be called and he will either
allow or disallow the additional costs.
WHICH is why, you do NOT sign off on a claim until the vehicle is repaired
to your satisfaction.
Often times, the insurance company will write a claimant (the victim) a
check for the estimate provided.

Once the victim signs the back of that check, it's a done deal. There is a
little disclaimer back there saying that you are releasing them fom any
further responsibility.

Best bet, get your insurance company involved. That's part of their job.
They can help look out for your vehicle.

Kate
Fao, Sean - 17 May 2005 15:52 GMT
> | > As far as taking advantage of the situation, you have got to lead with
> your
[quoted text clipped - 16 lines]
> What I meant was more like
> "Ouch, my whole body is broken" when there isn't a thing wrong.

I'm sorry, Kate; I definitely did misunderstand you.  Having said that,
I couldn't agree with you (or Spike) any more ;-).

Signature

Sean

SVTKate - 18 May 2005 18:39 GMT
"Fao, Sean" <enceladus311@yahoo.comI-WANT-NO-SPAM> wrote in
| > I think you may have misunderstood me.
| > Making up for lost value is something new to me, but understandable.
[quoted text clipped - 3 lines]
| I'm sorry, Kate; I definitely did misunderstand you.  Having said that,
| I couldn't agree with you (or Spike) any more ;-).

Good deal Sean, I don't agree with Spike any mor either, let's gang up on
him!!
he he he he

Kate
Spike - 18 May 2005 20:51 GMT
Go ahead! Make my day! : )

>"Fao, Sean" <enceladus311@yahoo.comI-WANT-NO-SPAM> wrote in
>| > I think you may have misunderstood me.
[quoted text clipped - 10 lines]
>
>Kate

Hey! Spikey Likes IT!
1965 Ford Mustang fastback 2+2 A Code 289 C4 Trac-Lok
Vintage Burgundy w/Black Standard Interior
Vintage 40 Wheels 16X8"
w/BF Goodrich Comp T/A Radial 225/50ZR16
Spike - 12 May 2005 22:12 GMT
Now, I wasn't advising to shoot for the moon, just that shortly after
an accident people can sign away their rights only to find that there
was more wrong than they thought (car and/or people) : )

My car got hit years ago and I was told to get three estimates. I
actually got a dozen, and submitted the highest three, knowing that
the insurance company was likely to pay only the middle or lowest one.
Then I took the car to the shop of my choice and they did a super job,
including a total repaint. Black ice and bridge rails can be so
convenient.

>Hey Mike,
>I'm so sorry to hear about Elizabeth.
[quoted text clipped - 21 lines]
>
>Kate

Hey! Spikey Likes IT!
1965 Ford Mustang fastback 2+2 A Code 289 C4 Trac-Lok
Vintage Burgundy w/Black Standard Interior
Vintage 40 Wheels 16X8"
w/BF Goodrich Comp T/A Radial 225/50ZR16
Wound Up - 12 May 2005 23:38 GMT
> Elizabeth was in her first car accident tonight. A moron comes into the
> lady's lane who happens to be beside me.. smashes into her car... I see
[quoted text clipped - 10 lines]
>
> -Mike

Hey Mike.  Terrible news, and glad to hear you have no pain, most of all.  I
hope you get it all taken care of as quickly as possible.  You'll do the
right thing with insurance, being the moral person you are.  And I'm sure
you'll get the best possible work done.  Too many people inflate their
claims, resulting in higher premiums (I once read an avg. of
$200/year/driver) just like too many people have historically hidden behind
bankruptcy (an avg. of 5% on consumer credit, assuming yours is good).

I hope you get her fixed up soon.  Accidents suck a.s regardless of who's at
fault.  Glad to hear you're ok.  Sounds like your quick eye helped you avoid
the brunt of the force.  I am hypervigilant in my '67.  I never look at my
passengers if we're talking.  I would be royally bummed and pissed if
someone crunched The Green Beast.  Reminds me, I gotta get it appraised and
get a policy with Grundy.

Best of luck,

--
Wound Up
ThunderSnake #65
conradblack922376@yahoo.com - 13 May 2005 00:04 GMT
>> Elizabeth was in her first car accident tonight. A moron comes into the
>> lady's lane who happens to be beside me.. smashes into her car... I see
[quoted text clipped - 18 lines]
>$200/year/driver) just like too many people have historically hidden behind
>bankruptcy (an avg. of 5% on consumer credit, assuming yours is good).

lmfao
the insurance company never loses
in fact they screw you over .
hes a tard not to overestimate
after all if it was written off the insurance company
will underestimate

>I hope you get her fixed up soon.  Accidents suck a.s regardless of who's at
>fault.  Glad to hear you're ok.  Sounds like your quick eye helped you avoid
[quoted text clipped - 4 lines]
>
>Best of luck,

who cares its a car
not even a year thats a colectors item
he worried about value of car
lmfao
its worth black book RETARD
you dont buy cars to make ya money
lmfao
u go girl

hurc ast
Wound Up - 13 May 2005 00:42 GMT
Note that I don't respond to the troll!  Note that I ignore it, and tell you
to do the same!  It feeds off your emotions!  Ignore the troll, and pile on
the abuse complaints.  Pile pile pile.  Bury bury bury.

DON'T FEED IT.  If you do, past one time, you have proven yourself to be
more of an idiot that IT is.  Sorry, folks, but that's the damned truth.

Signature

Wound Up
ThunderSnake #65

>>> Elizabeth was in her first car accident tonight. A moron comes into the
>>> lady's lane who happens to be beside me.. smashes into her car... I see
[quoted text clipped - 50 lines]
>
> hurc ast
carl - 13 May 2005 01:48 GMT
how/where to i bitch to?

> Note that I don't respond to the troll!  Note that I ignore it, and tell you
> to do the same!  It feeds off your emotions!  Ignore the troll, and pile on
> the abuse complaints.  Pile pile pile.  Bury bury bury.
>
> DON'T FEED IT.  If you do, past one time, you have proven yourself to be
> more of an idiot that IT is.  Sorry, folks, but that's the damned truth.
carl - 13 May 2005 01:50 GMT
11 alais' that i'm aware of in the past 2 weeks or so

> Note that I don't respond to the troll!  Note that I ignore it, and tell you
> to do the same!  It feeds off your emotions!  Ignore the troll, and pile on
> the abuse complaints.  Pile pile pile.  Bury bury bury.
>
> DON'T FEED IT.  If you do, past one time, you have proven yourself to be
> more of an idiot that IT is.  Sorry, folks, but that's the damned truth.
Sarah Czepiel - 13 May 2005 02:21 GMT
>11 alais' that i'm aware of in the past 2 weeks or so

Most ISP's have rules against excessive nym shifting.   Send them the
posts and say he's disruptive and can't be kill filed because of the
nym shifts.

>> Note that I don't respond to the troll!  Note that I ignore it, and tell you
>> to do the same!  It feeds off your emotions!  Ignore the troll, and pile on
>> the abuse complaints.  Pile pile pile.  Bury bury bury.
>>
>> DON'T FEED IT.  If you do, past one time, you have proven yourself to be
>> more of an idiot that IT is.  Sorry, folks, but that's the damned truth.
memset@recorddeal.com - 13 May 2005 02:44 GMT
Actually, if you use outlook express or another client capable of filtering
by message content, you CAN kill file him. Just add a filter so that if the
message body contains "hurc ast" that it does not download the message.
Simple as that. He puts "hurc ast" in every one of his messages.

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> >11 alais' that i'm aware of in the past 2 weeks or so
>
[quoted text clipped - 8 lines]
> >> DON'T FEED IT.  If you do, past one time, you have proven yourself to be
> >> more of an idiot that IT is.  Sorry, folks, but that's the damned truth.
JohnR66 - 13 May 2005 02:56 GMT
Just filter: lmfao

> Actually, if you use outlook express or another client capable of
> filtering
[quoted text clipped - 25 lines]
>> >> more of an idiot that IT is.  Sorry, folks, but that's the damned
> truth.
SVTKate - 13 May 2005 12:46 GMT
| Just filter: lmfao

yeabut...
we all lmfo sometimes!

Kate
Sarah Czepiel - 13 May 2005 03:36 GMT
>Actually, if you use outlook express or another client capable of filtering
>by message content, you CAN kill file him. Just add a filter so that if the
>message body contains "hurc ast" that it does not download the message.
>Simple as that. He puts "hurc ast" in every one of his messages.
>
>-Mike

I use Agent.   To my knowledge I can't kill filter anything in the
body of the text.  
Sarah Czepiel - 13 May 2005 02:17 GMT
>lmfao
>the insurance company never loses

Sure Insurance companies lose.  I'll give you a personal example from
when I was working for an Insurance company.

Three drivers : Mom and Dad and Son in College
Two cars : Mom's car, Dad's car.  

Son gets his own car and own insurance with my company.

Follow so far?

Son sells his car and cancels his insurance.

Son gets pissed off at girlfriend and takes Dad's car on a high speed
drive throughout southern Rhode Island.  Son kills two pedestrians and
crashes head on into another car carrying a father of three children
killing the father and killing himself in the accident.    

Three fatalities at the hands of our insured ( remember he was a named
driver on his parents insurance policy and driving his fathers car
which we insured ) plus he killed himself.

We paid out three times the policy limits on the per occurrence
portion of the policy limits.  

I remember the Underwriter and I discussing the case.  Someone asked
if Underwriting was going to flag the parents policy for cancellation.
I'll never forget the answer:  " Why cancel the poor parents when the
risk has been eliminated."  

Where did anyone, least of which the insurance company, win in this
instance?

How about if I tell you about one of our insurance policy holders
who's daughter took his car, with permission, and died along with
three of her friends when they were struck by a train as they tried to
cross the track?    I will never forget the insurance adjusters report
on that one.    

You think anyone won there?  

Stop being a disruptive and immature fool.  
conradblack922376@yahoo.com - 13 May 2005 02:36 GMT
>>lmfao
>>the insurance company never loses
[quoted text clipped - 40 lines]
>
>Stop being a disruptive and immature fool.  

lmfao
ever calculate premiums taken in vs claims paid out
profits in the billions
lmfao
u are a fool

hurc ast
Sarah Czepiel - 13 May 2005 03:26 GMT
>>>lmfao
>>>the insurance company never loses
[quoted text clipped - 40 lines]
>>
>>Stop being a disruptive and immature fool.  

>lmfao
>ever calculate premiums taken in vs claims paid out

Yep I have.   You?    

>profits in the billions

Got a Profit/Loss sheet and/or Annual Report showing
"billions" in profits?    The last major payout by my company 'under
my watch' was for the loss of an oil well in the North Sea.  That's
wasn't billions but millions and it was a shared loss.  

>lmfao
>u are a fool

While you're at it look up the losses incurred by Insurance companies
in natural disasters over the past 5 years.  

Have fun....

>hurc ast
66 6F HCS - 13 May 2005 04:18 GMT
> ever calculate premiums taken in vs claims paid out
> profits in the billions

Even though Hurc is an a.shole, he's absolutely correct on this.
Signature

Scott W.
'66 HCS Mustang 289
'68 Ranchero 500 302
'69 Mustang Sportsroof 351W
ThunderSnake #57
http://home.comcast.net/~vanguard92/

Spike - 13 May 2005 23:37 GMT
Insurance has always been a gamble, beginning at least as far back as
the inception of Lloyds of London. The gamble is that the company will
pay out less than it takes in. Usually, it does. However, there are
times when the company gets hit in a very BIG way. Hurricane season,
when hundreds, even thousands of homes, cars, etc are severely damaged
or destroyed. Major earthquakes. Even the eruption of a volcano. Many
insurance companies are not only covering your car, but are also
covering peoples homes, personal property, boats, and more.

This is not to say that they should be reaping a major windfall over
and above what their losses are, but they are entitled to some profit.
What about Microsoft's profits? How many billions does Bill gates
need? Or Beatrice Foods? Who is going to set the % of profit that is
allowed? Ya gonna trust the government? And what if they wanted to set
the profit margin on a burger stand  or company you own?

>> ever calculate premiums taken in vs claims paid out
>> profits in the billions
>
>Even though Hurc is an a.shole, he's absolutely correct on this.

Hey! Spikey Likes IT!
1965 Ford Mustang fastback 2+2 A Code 289 C4 Trac-Lok
Vintage Burgundy w/Black Standard Interior
Vintage 40 Wheels 16X8"
w/BF Goodrich Comp T/A Radial 225/50ZR16
351CJ - 14 May 2005 00:34 GMT
>SNIP<
> This is not to say that they should be reaping a major windfall over
[quoted text clipped - 4 lines]
> the profit margin on a burger stand  or company you own?
>SNIP<

It is not quite the same thing Spike, We are not required by the government
to do business with Microsoft or Beatrice foods!  The Government mandates
that We MUST do business with insurance companies.
Spike - 14 May 2005 03:17 GMT
Only if you drive. I see your point. The government does not mandate
that your eat either but a good share of the food you buy to live
comes from Beatrice Foods. As for MS, how many of us have used PCs
long enough to be forced to upgrade to the new version because new
programs wont run on the old versions.  How many college students have
received the mandate that they must have a pc to go to school? That's
not government but it does control people's futures. And the biggest
expense that the majority of people will put out is for a home. If the
lender doesn't require you to have insurance, you'll very likely have
it anyway just to protect yourself. Would everyone drop their
insurance if the government stopped requiring it? Not the smart ones.
Why? Because they are going to end up in accidents with the ones who
have no insurance. It's a two edged sword. Either the government
mandates it, or you're smart enough to protect yourself and your
family by having it anyway. So, while it's not quite the same thing...
it's darned close to it.

>>SNIP<
>> This is not to say that they should be reaping a major windfall over
[quoted text clipped - 8 lines]
>to do business with Microsoft or Beatrice foods!  The Government mandates
>that We MUST do business with insurance companies.

Hey! Spikey Likes IT!
1965 Ford Mustang fastback 2+2 A Code 289 C4 Trac-Lok
Vintage Burgundy w/Black Standard Interior
Vintage 40 Wheels 16X8"
w/BF Goodrich Comp T/A Radial 225/50ZR16
Spike - 13 May 2005 19:03 GMT
Sarah... you are feeding the troll.  As for Agent (which I use v2.0)
go to the Help file Index and type in kill.... *BIF*  *BAM*
*KAZAAAMMMM*
up pops a list of how to do filters against SPAM and other things....

>>lmfao
>>the insurance company never loses
[quoted text clipped - 40 lines]
>
>Stop being a disruptive and immature fool.  

Hey! Spikey Likes IT!
1965 Ford Mustang fastback 2+2 A Code 289 C4 Trac-Lok
Vintage Burgundy w/Black Standard Interior
Vintage 40 Wheels 16X8"
w/BF Goodrich Comp T/A Radial 225/50ZR16
memset@recorddeal.com - 13 May 2005 02:48 GMT
Thanks for the good wishes, Wound Up. I know I'm blessed/lucky/whatever you
prefer in that I *am* an active driver and very aware of my surroundings...
had I not jumped on the gas she likely would have smashed in the front-end
of the car... causing MUCH more damage. I got off VERY luckily. I'm not
asking for $10k or anything... so far still no body aches or anything. BUT,
the damage that was caused... I want all new parts. I inspected the car
extremely carefully.. there is no repairing the bumper, spoiler or wheel.
The quarter panel could probably be repainted & be ok. I also want $ for
depreciation. There's no way I'm going to come out on the bottom of this. I
want what is fair & nothing more or less.

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> > Elizabeth was in her first car accident tonight. A moron comes into the
> > lady's lane who happens to be beside me.. smashes into her car... I see
[quoted text clipped - 31 lines]
> Wound Up
> ThunderSnake #65
conradblack922376@yahoo.com - 13 May 2005 05:06 GMT
>Thanks for the good wishes, Wound Up. I know I'm blessed/lucky/whatever you
>prefer in that I *am* an active driver and very aware of my surroundings...
[quoted text clipped - 8 lines]
>
>-Mike

have a soft tissue injury
the insurance co sees it this way
better to give ya 5 k to settle
than to waste 10 k on a lawyer and fight ya

hurc ast
Dee Gee - 13 May 2005 20:01 GMT
I wouldn't take it too personally, lots of people get their favorite cars
smashed in by stupid drivers.  My 1994 GT has been in 2 accidents due to a
teenager being behind the wheel of another car and the other was a driver
just not paying attention.  I had the car for less than 5 months before it
was rear-ended and then a year after that the entire right side was
destroyed.  Needless to say, nothing on the car besides the left side,
interior and engine are original on the car anymore.  I was *incredibly*
pissed because that car was my baby.  But, I got thousands of dollars out of
both accidents and managed to pay off my car much quicker than expected, not
to mention got an all-new paintjob removing all the dents and scratches.
It's incredibly painful emotionally to have a Mustang hit, but until it's
totalled, they're still fun cars.  I'm incredibly scared that a 1994 GT
doesn't have much financial value anymore and even the slightest crash could
total the car.  I mean, my Mustang might be worth $4,000 in monetary terms,
but it's priceless to its owner in terms of enjoyment and pride in it.

As for memories, my Mustang has a lot.  It's my first manual transmission,
first coupe, first rear-wheel drive car, first V8, and the first car I
bought myself.  Like I said before, as long as the car has a working V8
under the hood, it doesn't take any enjoyment out of the car.

> Thanks for the good wishes, Wound Up. I know I'm blessed/lucky/whatever
> you
[quoted text clipped - 12 lines]
>
> -Mike
memset@recorddeal.com - 13 May 2005 20:40 GMT
You know, we share a lot in common with our mustangs.. you said:

As for memories, my Mustang has a lot.  It's my first manual transmission,
first coupe, first rear-wheel drive car, first V8, and the first car I
bought myself.  Like I said before, as long as the car has a working V8
under the hood, it doesn't take any enjoyment out of the car.

For me.. this Mustang is my: First manual transmission (that i've owned
myself), first V8, first car I bought myself as well! My very first car was
a 91 Fox body convertible 4-cyl. (was my sister's car passed down to me).
After that, Chevy Lumina (another hand-me-down), then I had a V6 Mustang
which was just gobs of fun to me... and then my treasured Elizabeth.. 1998
Mustang GT!

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> I wouldn't take it too personally, lots of people get their favorite cars
> smashed in by stupid drivers.  My 1994 GT has been in 2 accidents due to a
[quoted text clipped - 33 lines]
> >
> > -Mike
memset@recorddeal.com - 18 May 2005 07:12 GMT
Police report finally available. Got a copy. They made is pretty clear who
was at fault (which I am thankful for). Going to visit my insurance company
today in the afternoon. What should I bring with me? I've never had to do
this before... so excuse my ignorance please :).

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> Elizabeth was in her first car accident tonight. A moron comes into the
> lady's lane who happens to be beside me.. smashes into her car... I see this
[quoted text clipped - 11 lines]
> Melt away the Cellulite with Cellulean!
> http://www.MeltAwayCellulite.com/
memset@recorddeal.com - 18 May 2005 21:51 GMT
I called my insurance company. They filed a claim with the other insurance
company. I'm supposed to get a phone call tomorrow. We'll see what happens!

-Mike

--
Melt away the Cellulite with Cellulean!
http://www.MeltAwayCellulite.com/

> Police report finally available. Got a copy. They made is pretty clear who
> was at fault (which I am thankful for). Going to visit my insurance company
[quoted text clipped - 25 lines]
> > Melt away the Cellulite with Cellulean!
> > http://www.MeltAwayCellulite.com/
 
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