Aces High Bulletin Board
General Forums => The O' Club => Topic started by: Mickey1992 on April 01, 2009, 08:24:35 AM
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$75 to fix the mower.
$0 for the Mrs. to pick it up.
$350 for new rear window.
(http://i534.photobucket.com/albums/ee344/mickeyphoto_bucket/mowerrepair.jpg)
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ohhhh Mmmmm Geeeee
:uhoh
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ouch that suxs :(
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That reminds me of when the wife ran up to Burger King to get dinner. She missed the turn for the drive-through, decided to back up, bumped the sign showing where to turn. She came home, dropped off the food and asked me to go outside. Long story short:
BK food - $ 12.50
Delivery - $ 0
Land Rover rear window - $695.00
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She put it in the back of the car with the handle sticking out and closed the hatch? :huh
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She put it in the back of the car with the handle sticking out and closed the hatch? :huh
To her credit, she put it in back and tried to secure it to stop it from rolling around. But it rolled around anyway and the handle shattered the window.
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oops..., but I can relate...
We have an old RAV which my wife uses to take our 3 dogs in to the forest for walkies and crappies, and she is in the process of destroying it...
1) scraped it down the side of the garage door post nicely skimming the paint off
2) left the back door ajar (EVEN THOUGH IT HAS A LIGHT TELLING YOU THE DOOR IS OPEN oops sorry), then backed out, door jammed against garage door post and buckled - luckily I could use my not inconsiderable weight to bend it back so it shuts, but it doesnt open now..
3) reversed out of our garage into both our kids cars at different times, 2 insurance claims in our own drive. The spare on the RAV has been pushed in to the rear door so it looks all wonky.
4) The paint looks like the cars been driven through barbed wire
I just dont ask anymore, I just cant believe it passes its MOT every year.
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To her credit, she put it in back and tried to secure it to stop it from rolling around. But it rolled around anyway and the handle shattered the window.
Oh well, ...happens. Maybe she could have put the lawnmower in sideways, but don't ruminate on it. Dealing with lawnmowers is not the forte of most wives, at least not mine, and if it were I would seriously question myself. :lol
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It's called........INSURANCE.
What's your deductable?
ROX
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What's your deductable?
$250
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punch her in the temple!
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$250
Not a bad deductable, considering.
At least you get some back.
Sadly, many US motorists drive around with NO P&C insurance. At least you did the right thing.
ROX
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The spare on the RAV has been pushed in to the rear door so it looks all wonky.
For a long time, that was one of the fastest moving Toyota parts in the united states. So... you're not the only one :)
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Not a bad deductable, considering.
At least you get some back.
Sadly, many US motorists drive around with NO P&C insurance. At least you did the right thing.
ROX
If you put it on your ins, you will pay for it in the long run. Your ins rates will go up.
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If you put it on your ins, you will pay for it in the long run. Your ins rates will go up.
Not true.
All insurance is based on pure risk, and that risk is spread out over everyone who is insured by that perticular company.
Just because you file a claim doesn't mean your rates will increase, unless you, personally, become more of a risk than others in that group.
Things, like the photo above, happen. People get cracked windshields, hit birds & deer, hailstorms happen, and back out of their garages without raising the door first. All are covered claims. Most all will never cause your rates to increase. THAT is the reason people have insurance to begin with. The only bummer is that some people choose high deductables ($500 or $1000) because that insurance is cheaper. Most all states require at least $25,000 for liability coverage in case you injure someone else.
Being a greater personal risk, ie: DWI's, getting 3 or more moving violations in less than 2 years, or reckless driving WILL cause your rates to go up. If it's severe enough (like the ones I mentioned) you just might get that 30 day cancellation notice in the mail from the company. Accidents (where you are at fault and get the ticket) can cause your rates to go up depending on the severity...and that's even exasserbated if it's associated with something like running a red light or if you were intoxicated or driving recklessly at the time.
There are some companies that offer an initial "cheaper" rate (like Geico), and then increase the rates after the first year on everyone in that age group or geographical group. It's not personal...it's just that companies cannot discriminate. If they do it to one--they have to do it to everyone in that perticular "group" (age group, for example).
Having no accidents (where you are at fault) and not getting moving violations as you grow older WILL see your rates steadily decline...whether you break a window getting your lawn mower fixed or the kid next door knocks a baseball into your hood not withstanding.
If the original poster files his claim, his rates will not go up. He'll fork out the first $250 and his company will pay the rest.
ROX
(licenced agent)
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If the original poster files his claim, his rates will not go up. He'll fork out the first $250 and his company will pay the rest.
ROX
(licenced agent)
you are right, his rates will not go up, my rates will go up to pay for his window.
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you are right, his rates will not go up, my rates will go up to pay for his window.
Only if you personally do something (at fault accidents or moving violations) that make you a greater risk. Otherwise, no.
ROX
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doh!
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I wish i had asked my wife to pick up the lawnmower instead of asking to move my Brand NEW CBR 1000 RR out of the garage.......... No it could not just hit the concrete It had to bounce off the garage door first....
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That is why I have no little vehicles.
Bet she felt really bad about that. Accidents happen.... give her a hug.
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Bet she felt really bad about that. Accidents happen.... give her a hug.
+ 1
What's more important, your wife or your chit?
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That is why I have no little vehicles.
Bet she felt really bad about that. Accidents happen.... give her a hug.
Why?
If she's like most wives,its his fault for not picking the lawn mower up himself.
Never never never ask your wife to do something like this for you. Same thing with DM6's crotch rocket. Or anything that you would normally do that she doesnt. Because when something goes wrong. She will admit that you could have and would have done it better.But then blame you for not doing it yourself.
No matter what. It ends up being your fault.
And THAT ladies and gents. Is experience talking. ;)
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Only if you personally do something (at fault accidents or moving violations) that make you a greater risk. Otherwise, no.
ROX
in all my years of driving i have never had a insurance claim, but every year my insurance goes up.
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in all my years of driving i have never had a insurance claim, but every year my insurance goes up.
Sounds like it's time to go shopping for a different company.
If you have not done anything to give your present insurance company a reason to hike up your rates (accidents where you were deemed to be at fault, tickets, suspention of licence, or failure to appear before a judge about a ticket, etc.) then maybe it's time to look for a different insurer. Your rates, as you age, should always slowly go down over time if you have had no at-fault accidents or moving violations.
Companies are competitive right now because in the past, you only had State Farm, Farmers, Allstate, Travelers, and a few others. Now, Progressive, Geico, and a number of Independants are advertizing EVERYWHERE, especially in magazines & cable TV. Some companies (like Geico) offer a "cheaper" rate because you don't deal with a local agent, you are doing everything over the phone. The bummer part is you don't have a local agent (your advocate) to go to in person with a claim or a dispute about a claim. Since they aren't paying agents a commission, they can reduce that cost--but at a loss of 1 on 1 customer service. These companies offer an initial "cheaper" rate--but almost always raise rates after the first year, so the "savings" is only short-term.
You can usually get a ballpark idea on some of the companies websites about rates, but you should want to get a yearly quote in person-and on paper. Shop around! If you don't trust the agent at your first meeting--go somewhere else! If you can't trust them now--you maybe can't trust them come claim time. It's all about getting your money's worth, and how you will be treated when you need them.
The "larger" companies have a far larger cash reserve to handle claims than smaller companies. The risk is transferred over a far larger amount of clients so they can offer lower rates.
So grab your shopping cart and good luck!
ROX